Call reports 2013
BAY BANK, FSB — 2013
What BAY BANK, FSB reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 129,930,000 | 470,862,000 | 439,987,000 | 419,074,000 |
| Total loans | 102,625,000 | 374,920,000 | 351,162,000 | 333,516,000 |
| Allowance for loan losses | 643,000 | 738,000 | 690,000 | 851,000 |
| Securities available for sale | 8,565,000 | 26,241,000 | 31,208,000 | 36,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,393,000 | 410,859,000 | 381,241,000 | 361,230,000 |
| Interest-bearing deposits | 79,112,000 | 309,155,000 | 284,209,000 | 271,113,000 |
| Noninterest-bearing deposits | 20,281,000 | 101,704,000 | 97,032,000 | 90,117,000 |
| Equity capital | 30,092,000 | 53,455,000 | 54,350,000 | 54,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,227,000 | 7,180,000 | 13,382,000 | 19,019,000 |
| Interest expense | 147,000 | 506,000 | 903,000 | 1,264,000 |
| Net interest income | 2,080,000 | 6,674,000 | 12,479,000 | 17,755,000 |
| Noninterest income | 51,000 | 7,463,000 | 8,834,000 | 8,955,000 |
| Noninterest expense | 1,861,000 | 9,217,000 | 15,689,000 | 21,549,000 |
| Provision for loan losses | 29,000 | 183,000 | 534,000 | 842,000 |
| Pretax income | 241,000 | 4,737,000 | 5,090,000 | 4,319,000 |
| Income tax | 99,000 | 733,000 | 383,000 | 628,000 |
| Net income | 142,000 | 4,004,000 | 4,707,000 | 3,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,697,000 | 50,125,000 | 50,543,000 | 46,964,000 |
| Total capital | 30,340,000 | 50,863,000 | 51,233,000 | 47,815,000 |
| Risk-weighted assets | 109,112,000 | 371,242,000 | 347,522,000 | 325,617,000 |