Call reports 2020
BAY BANK — 2020
What BAY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 110,597,000 | 126,387,000 | 123,260,000 | 122,797,000 |
| Total loans | 66,934,000 | 78,480,000 | 80,461,000 | 76,216,000 |
| Allowance for loan losses | 1,583,000 | 1,577,000 | 1,585,000 | 1,576,000 |
| Securities available for sale | 17,289,000 | 18,686,000 | 20,373,000 | 22,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,531,000 | 98,058,000 | 90,893,000 | 92,399,000 |
| Interest-bearing deposits | 65,736,000 | 64,898,000 | 56,804,000 | 59,767,000 |
| Noninterest-bearing deposits | 21,795,000 | 33,160,000 | 34,089,000 | 32,632,000 |
| Equity capital | 15,437,000 | 16,076,000 | 16,479,000 | 16,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,345,000 | 3,584,000 | 4,948,000 |
| Interest expense | 157,000 | 298,000 | 406,000 | 574,000 |
| Net interest income | 1,018,000 | 2,047,000 | 3,178,000 | 4,374,000 |
| Noninterest income | 359,000 | 745,000 | 1,334,000 | 2,008,000 |
| Noninterest expense | 1,096,000 | 2,118,000 | 3,309,000 | 4,348,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 281,000 | 674,000 | 1,203,000 | 2,034,000 |
| Income tax | 59,000 | 159,000 | 289,000 | 502,000 |
| Net income | 222,000 | 515,000 | 914,000 | 1,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,969,000 | 15,262,000 | 15,662,000 | 16,130,000 |
| Total capital | 15,832,000 | 16,133,000 | 16,556,000 | 17,009,000 |
| Risk-weighted assets | 68,394,000 | 68,983,000 | 70,903,000 | 69,634,000 |