Call reports 2018
BAY BANK — 2018
What BAY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 89,675,000 | 92,717,000 | 96,059,000 | 95,272,000 |
| Total loans | 57,894,000 | 60,051,000 | 60,658,000 | 61,558,000 |
| Allowance for loan losses | 1,652,000 | 1,708,000 | 1,716,000 | 1,656,000 |
| Securities available for sale | 12,395,000 | 13,625,000 | 13,925,000 | 14,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,392,000 | 72,290,000 | 75,568,000 | 74,717,000 |
| Interest-bearing deposits | 52,204,000 | 52,977,000 | 54,718,000 | 56,152,000 |
| Noninterest-bearing deposits | 18,188,000 | 19,313,000 | 20,850,000 | 18,565,000 |
| Equity capital | 12,746,000 | 13,032,000 | 13,444,000 | 13,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,983,000 | 3,046,000 | 4,195,000 |
| Interest expense | 75,000 | 166,000 | 284,000 | 413,000 |
| Net interest income | 887,000 | 1,817,000 | 2,762,000 | 3,782,000 |
| Noninterest income | 276,000 | 687,000 | 1,350,000 | 1,840,000 |
| Noninterest expense | 906,000 | 1,827,000 | 2,795,000 | 3,784,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 257,000 | 677,000 | 1,317,000 | 1,838,000 |
| Income tax | 59,000 | 163,000 | 326,000 | 456,000 |
| Net income | 198,000 | 514,000 | 991,000 | 1,382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,769,000 | 13,094,000 | 13,571,000 | 13,833,000 |
| Total capital | 13,526,000 | 13,883,000 | 14,358,000 | 14,656,000 |
| Risk-weighted assets | 59,724,000 | 62,294,000 | 64,776,000 | 65,065,000 |