401k Plan data: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK plan

SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 401k Plan overview

Plan Name	SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK
Plan identification number	002

SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

BAYCOAST BANK has sponsored the creation of one or more 401k plans.

Company Name: BAYCOAST BANK

Employer identification number (EIN): 041178460

NAIC Classification: 522120
NAIC Description: Savings Institutions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2022-01-01
002 2021-01-01
002 2020-01-01
002 2019-01-01
002 2018-01-01
002 2017-01-01 BARBARA TRIPP
002 2016-01-01 BARBARA TRIPP BARBARA TRIPP 2017-07-27
002 2015-01-01 BARBARA TRIPP
002 2014-01-01 BARBARA TRIPP BARBARA TRIPP 2015-07-28
002 2013-01-01 THOMAS FORESE JR
002 2012-01-01 THOMAS FORESE JR.
002 2011-01-01 THOMAS FORESE JR.
002 2010-01-01 THOMAS FORESE JR.
002 2009-01-01 THOMAS FORESE JR.

Plan Statistics for SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK

401k plan membership statisitcs for SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK

Measure Date Value
2022: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2022 401k membership
Total participants, beginning-of-year 2022-01-01 654
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 561
Number of retired or separated participants receiving benefits 2022-01-01 0
Number of other retired or separated participants entitled to future benefits 2022-01-01 140
Total of all active and inactive participants 2022-01-01 701
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 1
Total participants 2022-01-01 702
Number of participants with account balances 2022-01-01 694
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2021 401k membership
Total participants, beginning-of-year 2021-01-01 594
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 520
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 134
Total of all active and inactive participants 2021-01-01 654
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 654
Number of participants with account balances 2021-01-01 651
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2020 401k membership
Total participants, beginning-of-year 2020-01-01 536
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 485
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 109
Total of all active and inactive participants 2020-01-01 594
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 594
Number of participants with account balances 2020-01-01 591
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2019 401k membership
Total participants, beginning-of-year 2019-01-01 500
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 433
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 103
Total of all active and inactive participants 2019-01-01 536
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 536
Number of participants with account balances 2019-01-01 531
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2018 401k membership
Total participants, beginning-of-year 2018-01-01 453
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 401
Number of retired or separated participants receiving benefits 2018-01-01 0
Number of other retired or separated participants entitled to future benefits 2018-01-01 99
Total of all active and inactive participants 2018-01-01 500
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 500
Number of participants with account balances 2018-01-01 494
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2017 401k membership
Total participants, beginning-of-year 2017-01-01 404
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 371
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 82
Total of all active and inactive participants 2017-01-01 453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 453
Number of participants with account balances 2017-01-01 433
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2016 401k membership
Total participants, beginning-of-year 2016-01-01 392
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 332
Number of retired or separated participants receiving benefits 2016-01-01 0
Number of other retired or separated participants entitled to future benefits 2016-01-01 72
Total of all active and inactive participants 2016-01-01 404
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 404
Number of participants with account balances 2016-01-01 388
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2015 401k membership
Total participants, beginning-of-year 2015-01-01 371
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 325
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 67
Total of all active and inactive participants 2015-01-01 392
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 392
Number of participants with account balances 2015-01-01 365
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2014 401k membership
Total participants, beginning-of-year 2014-01-01 357
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 307
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 59
Total of all active and inactive participants 2014-01-01 366
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 366
Number of participants with account balances 2014-01-01 362
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2013 401k membership
Total participants, beginning-of-year 2013-01-01 320
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 314
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 43
Total of all active and inactive participants 2013-01-01 357
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 357
Number of participants with account balances 2013-01-01 340
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2012 401k membership
Total participants, beginning-of-year 2012-01-01 288
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 281
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 39
Total of all active and inactive participants 2012-01-01 320
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 320
Number of participants with account balances 2012-01-01 309
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 0
2011: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2011 401k membership
Total participants, beginning-of-year 2011-01-01 234
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 253
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 35
Total of all active and inactive participants 2011-01-01 288
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 288
Number of participants with account balances 2011-01-01 254
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 0
2010: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2010 401k membership
Total participants, beginning-of-year 2010-01-01 217
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 209
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 25
Total of all active and inactive participants 2010-01-01 234
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 234
Number of participants with account balances 2010-01-01 199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 0
2009: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2009 401k membership
Total participants, beginning-of-year 2009-01-01 217
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 185
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 32
Total of all active and inactive participants 2009-01-01 217
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 217
Number of participants with account balances 2009-01-01 190
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 0

Measure	Date	Value
2022: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2022 401k membership
Total participants, beginning-of-year	2022-01-01	654
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	561
Number of retired or separated participants receiving benefits	2022-01-01	0
Number of other retired or separated participants entitled to future benefits	2022-01-01	140
Total of all active and inactive participants	2022-01-01	701
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	1
Total participants	2022-01-01	702
Number of participants with account balances	2022-01-01	694
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2021 401k membership
Total participants, beginning-of-year	2021-01-01	594
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	520
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	134
Total of all active and inactive participants	2021-01-01	654
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	654
Number of participants with account balances	2021-01-01	651
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2020 401k membership
Total participants, beginning-of-year	2020-01-01	536
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	485
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	109
Total of all active and inactive participants	2020-01-01	594
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	594
Number of participants with account balances	2020-01-01	591
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2019 401k membership
Total participants, beginning-of-year	2019-01-01	500
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	433
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	103
Total of all active and inactive participants	2019-01-01	536
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	536
Number of participants with account balances	2019-01-01	531
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2018 401k membership
Total participants, beginning-of-year	2018-01-01	453
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	401
Number of retired or separated participants receiving benefits	2018-01-01	0
Number of other retired or separated participants entitled to future benefits	2018-01-01	99
Total of all active and inactive participants	2018-01-01	500
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	500
Number of participants with account balances	2018-01-01	494
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2017 401k membership
Total participants, beginning-of-year	2017-01-01	404
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	371
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	82
Total of all active and inactive participants	2017-01-01	453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	453
Number of participants with account balances	2017-01-01	433
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2016 401k membership
Total participants, beginning-of-year	2016-01-01	392
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	332
Number of retired or separated participants receiving benefits	2016-01-01	0
Number of other retired or separated participants entitled to future benefits	2016-01-01	72
Total of all active and inactive participants	2016-01-01	404
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	404
Number of participants with account balances	2016-01-01	388
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2015 401k membership
Total participants, beginning-of-year	2015-01-01	371
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	325
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	67
Total of all active and inactive participants	2015-01-01	392
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	392
Number of participants with account balances	2015-01-01	365
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2014 401k membership
Total participants, beginning-of-year	2014-01-01	357
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	307
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	59
Total of all active and inactive participants	2014-01-01	366
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	366
Number of participants with account balances	2014-01-01	362
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2013 401k membership
Total participants, beginning-of-year	2013-01-01	320
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	314
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	43
Total of all active and inactive participants	2013-01-01	357
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	357
Number of participants with account balances	2013-01-01	340
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2012 401k membership
Total participants, beginning-of-year	2012-01-01	288
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	281
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	39
Total of all active and inactive participants	2012-01-01	320
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	320
Number of participants with account balances	2012-01-01	309
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	0
2011: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2011 401k membership
Total participants, beginning-of-year	2011-01-01	234
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	253
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	35
Total of all active and inactive participants	2011-01-01	288
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	288
Number of participants with account balances	2011-01-01	254
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	0
2010: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2010 401k membership
Total participants, beginning-of-year	2010-01-01	217
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	209
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	25
Total of all active and inactive participants	2010-01-01	234
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	234
Number of participants with account balances	2010-01-01	199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	0
2009: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2009 401k membership
Total participants, beginning-of-year	2009-01-01	217
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	185
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	32
Total of all active and inactive participants	2009-01-01	217
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	217
Number of participants with account balances	2009-01-01	190
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	0

Financial Data on SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK

Measure	Date	Value
2022 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-4,608,902
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$1,406,286
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$1,298,066
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$6,134,528
Value of total assets at end of year	2022-12-31	$55,528,889
Value of total assets at beginning of year	2022-12-31	$61,544,077
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$108,220
Total interest from all sources	2022-12-31	$73,025
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$1,803,067
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$1,803,067
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$3,473,980
Participant contributions at end of year	2022-12-31	$921,357
Participant contributions at beginning of year	2022-12-31	$703,266
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$1,291,031
Administrative expenses (other) incurred	2022-12-31	$108,220
Total non interest bearing cash at end of year	2022-12-31	$605
Total non interest bearing cash at beginning of year	2022-12-31	$4,879
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-6,015,188
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$55,528,889
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$61,544,077
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$51,214,506
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$58,364,613
Interest on participant loans	2022-12-31	$37,054
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$3,392,103
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$2,471,319
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$2,471,319
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2022-12-31	$35,971
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-12,619,522
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$1,369,517
Employer contributions (assets) at end of year	2022-12-31	$318
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$1,298,066
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	MARCUM LLP
Accountancy firm EIN	2022-12-31	111986323
2021 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$13,259,052
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$3,179,693
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$3,087,352
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$5,145,582
Value of total assets at end of year	2021-12-31	$61,544,077
Value of total assets at beginning of year	2021-12-31	$51,464,718
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$92,341
Total interest from all sources	2021-12-31	$36,580
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$5,351,299
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$5,351,299
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$3,206,237
Participant contributions at end of year	2021-12-31	$703,266
Participant contributions at beginning of year	2021-12-31	$760,138
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$679,863
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2021-12-31	$0
Administrative expenses (other) incurred	2021-12-31	$92,341
Total non interest bearing cash at end of year	2021-12-31	$4,879
Total non interest bearing cash at beginning of year	2021-12-31	$88,380
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$10,079,359
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$61,544,077
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$51,464,718
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$58,364,613
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$48,258,783
Interest on participant loans	2021-12-31	$36,322
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$2,471,319
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$2,357,417
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$2,357,417
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2021-12-31	$258
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$2,725,591
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$1,259,482
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$3,087,352
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	MARCUM LLP
Accountancy firm EIN	2021-12-31	111986323
2020 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$11,662,790
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,534,317
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,474,430
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$4,371,061
Value of total assets at end of year	2020-12-31	$51,464,718
Value of total assets at beginning of year	2020-12-31	$41,336,245
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$59,887
Total interest from all sources	2020-12-31	$58,256
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$1,315,026
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$1,315,026
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$2,779,572
Participant contributions at end of year	2020-12-31	$760,138
Participant contributions at beginning of year	2020-12-31	$902,786
Participant contributions at end of year	2020-12-31	$0
Participant contributions at beginning of year	2020-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$477,876
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2020-12-31	$0
Administrative expenses (other) incurred	2020-12-31	$59,887
Total non interest bearing cash at end of year	2020-12-31	$88,380
Total non interest bearing cash at beginning of year	2020-12-31	$20,505
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$10,128,473
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$51,464,718
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$41,336,245
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$48,258,783
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$38,629,396
Interest on participant loans	2020-12-31	$47,686
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$2,357,417
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$1,783,558
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$1,783,558
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2020-12-31	$10,570
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$5,918,447
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$1,113,613
Employer contributions (assets) at end of year	2020-12-31	$0
Employer contributions (assets) at beginning of year	2020-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,474,430
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Unqualified
Accountancy firm name	2020-12-31	MARCUM LLP
Accountancy firm EIN	2020-12-31	111986323
2019 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$11,806,329
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$1,477,283
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,413,944
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$4,648,037
Value of total assets at end of year	2019-12-31	$41,336,245
Value of total assets at beginning of year	2019-12-31	$31,007,199
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$63,339
Total interest from all sources	2019-12-31	$80,885
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$1,317,363
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$1,317,363
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$2,327,310
Participant contributions at end of year	2019-12-31	$902,786
Participant contributions at beginning of year	2019-12-31	$836,856
Participant contributions at end of year	2019-12-31	$0
Participant contributions at beginning of year	2019-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$1,436,652
Administrative expenses (other) incurred	2019-12-31	$63,339
Total non interest bearing cash at end of year	2019-12-31	$20,505
Total non interest bearing cash at beginning of year	2019-12-31	$108,659
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$10,329,046
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$41,336,245
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$31,007,199
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$38,629,396
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$28,836,756
Interest on participant loans	2019-12-31	$47,890
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$1,783,558
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$1,224,928
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$1,224,928
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$32,995
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$5,760,044
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$884,075
Employer contributions (assets) at end of year	2019-12-31	$0
Employer contributions (assets) at beginning of year	2019-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,413,944
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	MARCUM LLP
Accountancy firm EIN	2019-12-31	111986323
2018 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$1,971,292
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$1,499,422
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$1,452,821
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$3,926,287
Value of total assets at end of year	2018-12-31	$31,007,199
Value of total assets at beginning of year	2018-12-31	$30,535,329
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$46,601
Total interest from all sources	2018-12-31	$104,650
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$1,573,998
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$1,573,998
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$2,013,609
Participant contributions at end of year	2018-12-31	$836,856
Participant contributions at beginning of year	2018-12-31	$710,661
Participant contributions at end of year	2018-12-31	$0
Participant contributions at beginning of year	2018-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$1,173,947
Administrative expenses (other) incurred	2018-12-31	$46,601
Total non interest bearing cash at end of year	2018-12-31	$108,659
Total non interest bearing cash at beginning of year	2018-12-31	$83,195
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$471,870
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$31,007,199
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$30,535,329
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$28,836,756
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$28,477,738
Interest on participant loans	2018-12-31	$36,808
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$1,224,928
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$1,263,735
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$1,263,735
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-12-31	$67,842
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-3,633,643
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$738,731
Employer contributions (assets) at end of year	2018-12-31	$0
Employer contributions (assets) at beginning of year	2018-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$1,452,821
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	MARCUM LLP
Accountancy firm EIN	2018-12-31	111986323
2017 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$7,660,622
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$1,897,039
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$1,847,901
Value of total corrective distributions	2017-12-31	$6,346
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$3,613,007
Value of total assets at end of year	2017-12-31	$30,535,329
Value of total assets at beginning of year	2017-12-31	$24,771,746
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$42,792
Total interest from all sources	2017-12-31	$39,564
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$1,206,635
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$1,206,635
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$1,680,070
Participant contributions at end of year	2017-12-31	$710,661
Participant contributions at beginning of year	2017-12-31	$735,551
Participant contributions at end of year	2017-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$1,278,826
Administrative expenses (other) incurred	2017-12-31	$42,792
Total non interest bearing cash at end of year	2017-12-31	$83,195
Total non interest bearing cash at beginning of year	2017-12-31	$69,983
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$5,763,583
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$30,535,329
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$24,771,746
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$28,477,738
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$22,537,189
Interest on participant loans	2017-12-31	$29,305
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$1,263,735
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$1,429,023
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$1,429,023
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$10,259
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$2,801,416
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$654,111
Employer contributions (assets) at end of year	2017-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$1,847,901
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	MARCUM LLP
Accountancy firm EIN	2017-12-31	111986323
2016 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$4,446,776
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$1,212,862
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$1,172,487
Value of total corrective distributions	2016-12-31	$1,155
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$2,205,166
Value of total assets at end of year	2016-12-31	$24,771,746
Value of total assets at beginning of year	2016-12-31	$21,537,832
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$39,220
Total interest from all sources	2016-12-31	$31,669
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$872,094
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$872,094
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$1,513,159
Participant contributions at end of year	2016-12-31	$735,551
Participant contributions at beginning of year	2016-12-31	$669,892
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$159,314
Administrative expenses (other) incurred	2016-12-31	$39,220
Total non interest bearing cash at end of year	2016-12-31	$69,983
Total non interest bearing cash at beginning of year	2016-12-31	$62,278
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$3,233,914
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$24,771,746
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$21,537,832
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$22,537,189
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$19,536,403
Interest on participant loans	2016-12-31	$28,583
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$1,429,023
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$1,269,259
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$1,269,259
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2016-12-31	$3,086
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$1,337,847
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$532,693
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$1,172,487
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	MARCUM LLP
Accountancy firm EIN	2016-12-31	111986323
2015 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$2,646,545
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$1,535,705
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$1,496,409
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$2,706,783
Value of total assets at end of year	2015-12-31	$21,537,832
Value of total assets at beginning of year	2015-12-31	$20,426,992
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$39,296
Total interest from all sources	2015-12-31	$24,536
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$939,284
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$939,284
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$1,438,615
Participant contributions at end of year	2015-12-31	$669,892
Participant contributions at beginning of year	2015-12-31	$596,463
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$760,625
Administrative expenses (other) incurred	2015-12-31	$39,296
Total non interest bearing cash at end of year	2015-12-31	$62,278
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$1,110,840
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$21,537,832
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$20,426,992
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$19,536,403
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$18,494,236
Interest on participant loans	2015-12-31	$24,536
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$1,269,259
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$1,336,293
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$1,336,293
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-1,024,058
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$507,543
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$1,496,409
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	MARCUM LLP
Accountancy firm EIN	2015-12-31	111986323
2014 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$2,960,214
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$1,466,272
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,453,520
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$2,062,331
Value of total assets at end of year	2014-12-31	$20,426,992
Value of total assets at beginning of year	2014-12-31	$18,933,050
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$12,752
Total interest from all sources	2014-12-31	$23,560
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$778,333
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$778,333
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$500,000
If this is an individual account plan, was there a blackout period	2014-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$1,253,191
Participant contributions at end of year	2014-12-31	$596,463
Participant contributions at beginning of year	2014-12-31	$549,648
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$397,843
Administrative expenses (other) incurred	2014-12-31	$12,752
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$1,493,942
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$20,426,992
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$18,933,050
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$18,494,236
Interest on participant loans	2014-12-31	$23,378
Value of interest in common/collective trusts at beginning of year	2014-12-31	$18,383,402
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$1,336,293
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$182
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$-603,033
Net investment gain or loss from common/collective trusts	2014-12-31	$699,023
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$411,297
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,453,520
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2014-12-31	Yes
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	No
Opinion of an independent qualified public accountant for this plan	2014-12-31	Unqualified
Accountancy firm name	2014-12-31	MARCUM LLP
Accountancy firm EIN	2014-12-31	111986323
2013 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$4,748,886
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$639,314
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$615,854
Expenses. Certain deemed distributions of participant loans	2013-12-31	$8,770
Value of total corrective distributions	2013-12-31	$14,690
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$1,766,139
Value of total assets at end of year	2013-12-31	$18,933,050
Value of total assets at beginning of year	2013-12-31	$14,823,478
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$0
Total interest from all sources	2013-12-31	$16,774
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$1,051,168
Participant contributions at end of year	2013-12-31	$549,648
Participant contributions at beginning of year	2013-12-31	$366,254
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$350,322
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$4,109,572
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$18,933,050
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$14,823,478
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Interest on participant loans	2013-12-31	$16,774
Value of interest in common/collective trusts at end of year	2013-12-31	$18,383,402
Value of interest in common/collective trusts at beginning of year	2013-12-31	$14,457,224
Net investment gain or loss from common/collective trusts	2013-12-31	$2,965,973
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$364,649
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$615,854
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Unqualified
Accountancy firm name	2013-12-31	MARCUM LLP
Accountancy firm EIN	2013-12-31	111986323
2012 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$2,950,260
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$979,385
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$966,040
Expenses. Certain deemed distributions of participant loans	2012-12-31	$13,345
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,421,210
Value of total assets at end of year	2012-12-31	$14,823,478
Value of total assets at beginning of year	2012-12-31	$12,852,603
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$0
Total interest from all sources	2012-12-31	$16,385
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$1,015,791
Participant contributions at end of year	2012-12-31	$366,254
Participant contributions at beginning of year	2012-12-31	$426,858
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$62,194
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$1,970,875
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$14,823,478
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$12,852,603
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Interest on participant loans	2012-12-31	$16,385
Value of interest in common/collective trusts at end of year	2012-12-31	$14,457,224
Value of interest in common/collective trusts at beginning of year	2012-12-31	$12,425,745
Net investment gain or loss from common/collective trusts	2012-12-31	$1,512,665
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$343,225
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$966,040
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	No
Opinion of an independent qualified public accountant for this plan	2012-12-31	Unqualified
Accountancy firm name	2012-12-31	MARCUM LLP
Accountancy firm EIN	2012-12-31	111986323
2011 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total transfer of assets to this plan	2011-12-31	$2,431,062
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,422,383
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$270,738
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$270,738
Expenses. Certain deemed distributions of participant loans	2011-12-31	$0
Value of total corrective distributions	2011-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,444,524
Value of total assets at end of year	2011-12-31	$12,852,603
Value of total assets at beginning of year	2011-12-31	$9,269,896
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$0
Total interest from all sources	2011-12-31	$16,177
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$500,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$967,491
Participant contributions at end of year	2011-12-31	$426,858
Participant contributions at beginning of year	2011-12-31	$275,982
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$155,452
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$1,151,645
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$12,852,603
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$9,269,896
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Interest on participant loans	2011-12-31	$16,177
Value of interest in common/collective trusts at end of year	2011-12-31	$12,425,745
Value of interest in common/collective trusts at beginning of year	2011-12-31	$8,993,914
Net investment gain or loss from common/collective trusts	2011-12-31	$-38,318
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$321,581
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$270,738
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	No
Opinion of an independent qualified public accountant for this plan	2011-12-31	Unqualified
Accountancy firm name	2011-12-31	PARENT, MCLAUGHLIN, & NANGLE, INC.
Accountancy firm EIN	2011-12-31	042603383
2010 : SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$1,977,826
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$138,395
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$138,395
Expenses. Certain deemed distributions of participant loans	2010-12-31	$0
Value of total corrective distributions	2010-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$965,699
Value of total assets at end of year	2010-12-31	$9,269,896
Value of total assets at beginning of year	2010-12-31	$7,430,465
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$0
Total interest from all sources	2010-12-31	$13,424
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$500,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$629,687
Participant contributions at end of year	2010-12-31	$275,982
Participant contributions at beginning of year	2010-12-31	$249,918
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$117,873
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$1,839,431
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$9,269,896
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$7,430,465
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Interest on participant loans	2010-12-31	$13,424
Value of interest in common/collective trusts at end of year	2010-12-31	$8,993,914
Value of interest in common/collective trusts at beginning of year	2010-12-31	$7,180,547
Net investment gain or loss from common/collective trusts	2010-12-31	$998,703
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$218,139
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$138,395
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	No
Opinion of an independent qualified public accountant for this plan	2010-12-31	Unqualified
Accountancy firm name	2010-12-31	PARENT, MCLAUGHLIN & NANGLE
Accountancy firm EIN	2010-12-31	042603383

Form 5500 Responses for SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK

2022: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: SBERA 401(K) PLAN AS ADOPTED BY BAYCOAST BANK 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	BAYCOAST BANK
Employer identification number (EIN):	041178460
NAIC Classification:	522120
NAIC Description:	Savings Institutions