Call reports 2017
BAY BANK — 2017
What BAY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 87,525,000 | 87,935,000 | 97,041,000 | 87,422,000 |
| Total loans | 55,488,000 | 56,433,000 | 54,143,000 | 56,708,000 |
| Allowance for loan losses | 1,638,000 | 1,643,000 | 1,637,000 | 1,646,000 |
| Securities available for sale | 12,091,000 | 10,879,000 | 10,797,000 | 11,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,531,000 | 70,266,000 | 80,456,000 | 69,276,000 |
| Interest-bearing deposits | 52,112,000 | 53,159,000 | 55,148,000 | 51,280,000 |
| Noninterest-bearing deposits | 17,419,000 | 17,107,000 | 25,308,000 | 17,996,000 |
| Equity capital | 12,314,000 | 12,486,000 | 12,637,000 | 12,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,800,000 | 2,730,000 | 3,690,000 |
| Interest expense | 63,000 | 129,000 | 195,000 | 258,000 |
| Net interest income | 824,000 | 1,671,000 | 2,535,000 | 3,432,000 |
| Noninterest income | 267,000 | 590,000 | 919,000 | 1,275,000 |
| Noninterest expense | 875,000 | 1,791,000 | 2,740,000 | 3,611,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 216,000 | 470,000 | 714,000 | 1,096,000 |
| Income tax | 59,000 | 135,000 | 208,000 | 497,000 |
| Net income | 157,000 | 335,000 | 506,000 | 599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,943,000 | 12,072,000 | 12,292,000 | 12,556,000 |
| Total capital | 12,717,000 | 12,868,000 | 13,058,000 | 13,319,000 |
| Risk-weighted assets | 61,006,000 | 62,816,000 | 60,394,000 | 60,134,000 |