Call reports 2016
BAY BANK, FSB — 2016
What BAY BANK, FSB reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 463,416,000 | 495,520,000 | 606,243,000 | 620,200,000 |
| Total loans | 400,415,000 | 422,552,000 | 485,260,000 | 488,717,000 |
| Allowance for loan losses | 1,949,000 | 2,293,000 | 2,448,000 | 2,823,000 |
| Securities available for sale | 24,958,000 | 22,378,000 | 51,386,000 | 60,196,000 |
| Securities held to maturity | 1,554,000 | 1,199,000 | 1,179,000 | 1,158,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,975,000 | 363,219,000 | 532,957,000 | 526,679,000 |
| Interest-bearing deposits | 267,889,000 | 267,262,000 | 431,070,000 | 415,459,000 |
| Noninterest-bearing deposits | 98,086,000 | 95,957,000 | 101,887,000 | 111,220,000 |
| Equity capital | 68,008,000 | 68,549,000 | 65,094,000 | 65,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,114,000 | 10,366,000 | 16,646,000 | 23,027,000 |
| Interest expense | 368,000 | 727,000 | 1,300,000 | 1,799,000 |
| Net interest income | 4,746,000 | 9,639,000 | 15,346,000 | 21,228,000 |
| Noninterest income | 875,000 | 1,928,000 | 5,649,000 | 8,259,000 |
| Noninterest expense | 5,235,000 | 10,228,000 | 18,359,000 | 25,556,000 |
| Provision for loan losses | 298,000 | 656,000 | 1,016,000 | 1,390,000 |
| Pretax income | 361,000 | 1,170,000 | 2,107,000 | 3,222,000 |
| Income tax | 137,000 | 452,000 | 780,000 | 1,091,000 |
| Net income | 224,000 | 718,000 | 1,189,000 | 1,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,255,000 | 66,166,000 | 62,088,000 | 63,057,000 |
| Total capital | 67,204,000 | 68,459,000 | 64,536,000 | 65,883,000 |
| Risk-weighted assets | 402,893,000 | 425,131,000 | 504,355,000 | 511,987,000 |