Vitals
  • Total Assets
    78.0M -4.8 %
  • Total Deposits
    59.1M -5.6 %
  • Total Net Loans
    42.5M -10.3 %
  • Net Income
    -213000.0000 -2,762.5 %
  • Book Value
    5.7M 0.7 %
  • Book Value x2
    11.4M 0.7 %
  • Book Value x3
    17.1M 0.7 %
ROAA

-.531

ROAE

-7.554

Efficiency Ratio

114.267

Net Interest Margin

4.065

Balance Sheet Highlights
Financial Highlights Bay Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 78,005 223,439
Total Net Loans 42,467 126,801
Total Deposits 59,072 188,766
Total Equity 5,693 25,826
Profitability
Net Income -213 1,025
Return on Average Assets -.531 .821
Return on Average Equity -7.554 7.105
Net Interest Margin 4.065 3.91
Efficiency Ratio 114.267 71.632
Noninterest Income/Revenue 12.237 13.465
Balance Sheet Ratios
Loan-to-Deposit 71.89 63.796
Securities/Assets .251 .265
Total Equity/Total Assets .073 .116
Tangible Equity/Tangible Assets .073 .115
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,134 25,285
Tier 2 Capital 648 1,673
Total Capital 4,782 26,983
Total Risk Weighted Assets 51,639 147,489
Leverage Ratio 5.11 11.573
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.01 18.625
Total Capital Ratio 9.26 19.746

Timeline for Bay Bank

The First, A National Banking Association

Bay Bank was acquired by The First, A National Banking Association 9 years

View Profile Jul 01 2014

Bay Bank

Bay Bank was established 24 years ago and is currently headquartered in Mobile, AL.

Sep 22 1999

Bcb Holding Company, Inc.

Bcb Holding Company, Inc. became a new parent organization for Bay Bank.

View Profile Sep 22 1999
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First, A National Banking Association Buyer 1,265,747 Acquisition Discontinued 7/1/2014
Relationships Role Relationship Start Relationship End
Bcb Holding Company, Inc. Parent 9/22/1999 6/30/2014
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