Call reports 2025
BAY BANK — 2025
What BAY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 307,771,000 | 302,898,000 | 304,370,000 | 309,682,000 |
| Total loans | 118,352,000 | 123,295,000 | 128,009,000 | 126,595,000 |
| Allowance for loan losses | 2,460,000 | 2,482,000 | 2,267,000 | 2,449,000 |
| Securities available for sale | 122,618,000 | 130,931,000 | 130,130,000 | 133,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,097,000 | 260,168,000 | 259,134,000 | 266,436,000 |
| Interest-bearing deposits | 204,412,000 | 197,810,000 | 192,807,000 | 194,021,000 |
| Noninterest-bearing deposits | 64,685,000 | 62,358,000 | 66,327,000 | 72,415,000 |
| Equity capital | 25,755,000 | 27,415,000 | 29,179,000 | 30,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,321,000 | 6,807,000 | 10,309,000 | 13,952,000 |
| Interest expense | 566,000 | 1,193,000 | 1,795,000 | 2,403,000 |
| Net interest income | 2,755,000 | 5,614,000 | 8,514,000 | 11,549,000 |
| Noninterest income | 715,000 | 1,338,000 | 2,042,000 | 2,754,000 |
| Noninterest expense | 1,856,000 | 3,805,000 | 5,834,000 | 7,909,000 |
| Provision for loan losses | 572,000 | 748,000 | 1,075,000 | 1,275,000 |
| Pretax income | 1,027,000 | 2,374,000 | 3,620,000 | 5,092,000 |
| Income tax | 253,000 | 565,000 | 862,000 | 1,217,000 |
| Net income | 774,000 | 1,809,000 | 2,758,000 | 3,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,372,000 | 31,408,000 | 32,357,000 | 33,475,000 |
| Total capital | 32,146,000 | 33,252,000 | 34,187,000 | 35,282,000 |
| Risk-weighted assets | 141,146,000 | 146,777,000 | 145,875,000 | 143,850,000 |