Call reports 2022
BAY BANK — 2022
What BAY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 200,918,000 | 195,475,000 | 208,052,000 | 212,280,000 |
| Total loans | 72,884,000 | 75,743,000 | 80,626,000 | 85,402,000 |
| Allowance for loan losses | 1,630,000 | 1,649,000 | 1,663,000 | 1,630,000 |
| Securities available for sale | 74,254,000 | 74,030,000 | 78,767,000 | 84,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,235,000 | 177,353,000 | 190,662,000 | 194,058,000 |
| Interest-bearing deposits | 123,218,000 | 122,014,000 | 132,307,000 | 133,852,000 |
| Noninterest-bearing deposits | 58,017,000 | 55,339,000 | 58,355,000 | 60,206,000 |
| Equity capital | 17,296,000 | 15,626,000 | 14,043,000 | 14,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,248,000 | 2,583,000 | 4,144,000 | 5,938,000 |
| Interest expense | 81,000 | 156,000 | 246,000 | 390,000 |
| Net interest income | 1,167,000 | 2,427,000 | 3,898,000 | 5,548,000 |
| Noninterest income | 400,000 | 861,000 | 1,471,000 | 2,141,000 |
| Noninterest expense | 1,302,000 | 2,644,000 | 4,060,000 | 5,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 644,000 | 1,309,000 | 2,012,000 |
| Income tax | 60,000 | 142,000 | 315,000 | 491,000 |
| Net income | 205,000 | 502,000 | 994,000 | 1,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,792,000 | 21,089,000 | 21,580,000 | 21,983,000 |
| Total capital | 21,949,000 | 22,276,000 | 22,832,000 | 23,244,000 |
| Risk-weighted assets | 92,089,000 | 94,526,000 | 99,777,000 | 100,569,000 |