Call reports 2016
BAY BANK — 2016
What BAY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 80,667,000 | 84,569,000 | 82,421,000 | 84,585,000 |
| Total loans | 51,884,000 | 52,175,000 | 53,194,000 | 54,807,000 |
| Allowance for loan losses | 1,867,000 | 1,756,000 | 1,652,000 | 1,626,000 |
| Securities available for sale | 13,151,000 | 11,816,000 | 11,737,000 | 13,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,396,000 | 67,459,000 | 65,372,000 | 66,819,000 |
| Interest-bearing deposits | 52,359,000 | 52,761,000 | 50,568,000 | 50,890,000 |
| Noninterest-bearing deposits | 12,037,000 | 14,698,000 | 14,804,000 | 15,929,000 |
| Equity capital | 11,357,000 | 11,839,000 | 11,990,000 | 12,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 875,000 | 1,759,000 | 2,644,000 | 3,563,000 |
| Interest expense | 62,000 | 124,000 | 189,000 | 252,000 |
| Net interest income | 813,000 | 1,635,000 | 2,455,000 | 3,311,000 |
| Noninterest income | 205,000 | 995,000 | 1,299,000 | 1,710,000 |
| Noninterest expense | 860,000 | 1,738,000 | 2,618,000 | 3,551,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 158,000 | 892,000 | 1,136,000 | 1,470,000 |
| Income tax | 34,000 | 294,000 | 360,000 | 467,000 |
| Net income | 124,000 | 598,000 | 776,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,779,000 | 11,253,000 | 11,431,000 | 11,728,000 |
| Total capital | 11,510,000 | 11,988,000 | 12,168,000 | 12,475,000 |
| Risk-weighted assets | 57,277,000 | 57,751,000 | 58,087,000 | 60,124,000 |