Call reports 2021
BAY BANK — 2021
What BAY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 158,806,000 | 204,055,000 | 194,653,000 | 216,826,000 |
| Total loans | 79,937,000 | 80,613,000 | 82,726,000 | 71,744,000 |
| Allowance for loan losses | 1,578,000 | 1,597,000 | 1,605,000 | 1,610,000 |
| Securities available for sale | 28,904,000 | 45,577,000 | 62,612,000 | 73,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,868,000 | 183,218,000 | 172,449,000 | 195,058,000 |
| Interest-bearing deposits | 89,281,000 | 128,822,000 | 130,932,000 | 122,814,000 |
| Noninterest-bearing deposits | 44,587,000 | 54,396,000 | 41,517,000 | 72,244,000 |
| Equity capital | 16,999,000 | 17,367,000 | 18,847,000 | 18,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,624,000 | 4,097,000 | 5,585,000 |
| Interest expense | 71,000 | 132,000 | 268,000 | 351,000 |
| Net interest income | 1,232,000 | 2,492,000 | 3,829,000 | 5,234,000 |
| Noninterest income | 565,000 | 1,089,000 | 3,549,000 | 4,236,000 |
| Noninterest expense | 1,281,000 | 2,572,000 | 3,943,000 | 5,301,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 516,000 | 1,009,000 | 3,435,000 | 4,169,000 |
| Income tax | 122,000 | 248,000 | 899,000 | 1,087,000 |
| Net income | 394,000 | 761,000 | 2,536,000 | 3,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,524,000 | 16,891,000 | 18,666,000 | 19,086,000 |
| Total capital | 17,537,000 | 17,993,000 | 19,781,000 | 20,235,000 |
| Risk-weighted assets | 80,508,000 | 87,722,000 | 88,771,000 | 91,459,000 |
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