Call reports 2014
BAY BANK, FSB — 2014
What BAY BANK, FSB reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 429,697,000 | 487,561,000 | 479,618,000 | 480,013,000 |
| Total loans | 316,964,000 | 401,149,000 | 400,398,000 | 400,284,000 |
| Allowance for loan losses | 942,000 | 1,100,000 | 1,129,000 | 1,295,000 |
| Securities available for sale | 35,954,000 | 35,769,000 | 34,395,000 | 35,333,000 |
| Securities held to maturity | 0 | 0 | 1,334,000 | 1,316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,068,000 | 419,242,000 | 398,647,000 | 387,942,000 |
| Interest-bearing deposits | 276,966,000 | 315,176,000 | 305,701,000 | 296,375,000 |
| Noninterest-bearing deposits | 95,102,000 | 104,066,000 | 92,946,000 | 91,567,000 |
| Equity capital | 54,923,000 | 65,087,000 | 65,288,000 | 66,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,487,000 | 11,576,000 | 17,399,000 | 24,115,000 |
| Interest expense | 309,000 | 609,000 | 908,000 | 1,255,000 |
| Net interest income | 5,178,000 | 10,967,000 | 16,491,000 | 22,860,000 |
| Noninterest income | 1,098,000 | 5,413,000 | 6,310,000 | 7,345,000 |
| Noninterest expense | 6,136,000 | 12,191,000 | 20,072,000 | 26,863,000 |
| Provision for loan losses | 219,000 | 360,000 | 580,000 | 802,000 |
| Pretax income | -79,000 | 3,829,000 | 2,149,000 | 2,540,000 |
| Income tax | -193,000 | 909,000 | 249,000 | -621,000 |
| Net income | 114,000 | 2,920,000 | 1,900,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,412,000 | 59,105,000 | 59,247,000 | 61,448,000 |
| Total capital | 49,354,000 | 60,205,000 | 60,376,000 | 62,743,000 |
| Risk-weighted assets | 317,784,000 | 376,527,000 | 374,021,000 | 376,653,000 |