Call reports 2015
BAY BANK, FSB — 2015
What BAY BANK, FSB reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 487,055,000 | 488,515,000 | 474,135,000 | 491,129,000 |
| Total loans | 404,032,000 | 402,486,000 | 399,858,000 | 398,105,000 |
| Allowance for loan losses | 1,354,000 | 1,433,000 | 1,620,000 | 1,773,000 |
| Securities available for sale | 32,868,000 | 39,800,000 | 33,450,000 | 33,296,000 |
| Securities held to maturity | 1,297,000 | 1,278,000 | 1,592,000 | 1,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,353,000 | 384,487,000 | 381,668,000 | 367,509,000 |
| Interest-bearing deposits | 302,720,000 | 286,838,000 | 289,842,000 | 265,668,000 |
| Noninterest-bearing deposits | 101,633,000 | 97,649,000 | 91,826,000 | 101,841,000 |
| Equity capital | 65,781,000 | 66,208,000 | 67,043,000 | 67,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,837,000 | 11,819,000 | 17,698,000 | 23,210,000 |
| Interest expense | 496,000 | 969,000 | 1,425,000 | 1,827,000 |
| Net interest income | 5,341,000 | 10,850,000 | 16,273,000 | 21,383,000 |
| Noninterest income | 1,181,000 | 2,606,000 | 3,981,000 | 4,865,000 |
| Noninterest expense | 5,691,000 | 11,425,000 | 17,088,000 | 22,114,000 |
| Provision for loan losses | 275,000 | 572,000 | 878,000 | 1,143,000 |
| Pretax income | 633,000 | 1,536,000 | 2,485,000 | 3,281,000 |
| Income tax | 269,000 | 601,000 | 958,000 | 1,208,000 |
| Net income | 364,000 | 935,000 | 1,527,000 | 2,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,818,000 | 63,206,000 | 63,737,000 | 65,465,000 |
| Total capital | 64,172,000 | 64,639,000 | 65,357,000 | 67,238,000 |
| Risk-weighted assets | 387,381,000 | 371,697,000 | 395,953,000 | 405,533,000 |