Call reports 2017
BAY BANK, FSB — 2017
What BAY BANK, FSB reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 633,165,000 | 645,763,000 | 651,412,000 | 658,708,000 |
| Total loans | 496,085,000 | 512,489,000 | 525,663,000 | 543,347,000 |
| Allowance for loan losses | 3,160,000 | 3,608,000 | 4,050,000 | 4,156,000 |
| Securities available for sale | 64,384,000 | 62,425,000 | 57,868,000 | 55,796,000 |
| Securities held to maturity | 1,137,000 | 1,116,000 | 1,095,000 | 1,073,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,457,000 | 536,934,000 | 550,311,000 | 573,404,000 |
| Interest-bearing deposits | 414,228,000 | 416,402,000 | 420,508,000 | 438,973,000 |
| Noninterest-bearing deposits | 112,229,000 | 120,532,000 | 129,803,000 | 134,431,000 |
| Equity capital | 66,512,000 | 68,167,000 | 70,755,000 | 71,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,356,000 | 13,254,000 | 20,494,000 | 27,887,000 |
| Interest expense | 516,000 | 1,069,000 | 1,696,000 | 2,340,000 |
| Net interest income | 5,840,000 | 12,185,000 | 18,798,000 | 25,547,000 |
| Noninterest income | 1,210,000 | 2,676,000 | 5,311,000 | 6,498,000 |
| Noninterest expense | 5,037,000 | 10,272,000 | 15,407,000 | 20,963,000 |
| Provision for loan losses | 441,000 | 963,000 | 1,277,000 | 1,657,000 |
| Pretax income | 1,578,000 | 3,632,000 | 7,426,000 | 9,426,000 |
| Income tax | 599,000 | 1,373,000 | 2,878,000 | 4,199,000 |
| Net income | 979,000 | 2,259,000 | 4,548,000 | 5,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,023,000 | 65,463,000 | 67,797,000 | 68,579,000 |
| Total capital | 67,183,000 | 69,071,000 | 71,847,000 | 72,735,000 |
| Risk-weighted assets | 521,745,000 | 538,674,000 | 552,429,000 | 566,132,000 |