Call reports 2019
BAY BANK — 2019
What BAY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 97,216,000 | 101,190,000 | 103,511,000 | 108,303,000 |
| Total loans | 64,408,000 | 65,814,000 | 65,048,000 | 65,536,000 |
| Allowance for loan losses | 1,649,000 | 1,618,000 | 1,621,000 | 1,591,000 |
| Securities available for sale | 14,566,000 | 15,612,000 | 15,354,000 | 15,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,490,000 | 79,725,000 | 82,838,000 | 88,052,000 |
| Interest-bearing deposits | 57,829,000 | 59,450,000 | 60,443,000 | 66,217,000 |
| Noninterest-bearing deposits | 18,661,000 | 20,275,000 | 22,395,000 | 21,835,000 |
| Equity capital | 14,183,000 | 14,599,000 | 15,002,000 | 15,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,090,000 | 2,262,000 | 3,487,000 | 4,649,000 |
| Interest expense | 137,000 | 297,000 | 463,000 | 632,000 |
| Net interest income | 953,000 | 1,965,000 | 3,024,000 | 4,017,000 |
| Noninterest income | 293,000 | 658,000 | 1,149,000 | 1,496,000 |
| Noninterest expense | 999,000 | 2,037,000 | 3,169,000 | 4,203,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 247,000 | 586,000 | 1,004,000 | 1,310,000 |
| Income tax | 55,000 | 136,000 | 238,000 | 305,000 |
| Net income | 192,000 | 450,000 | 766,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,035,000 | 14,292,000 | 14,609,000 | 14,748,000 |
| Total capital | 14,892,000 | 15,140,000 | 15,451,000 | 15,602,000 |
| Risk-weighted assets | 67,792,000 | 67,141,000 | 66,636,000 | 67,602,000 |