Call reports 2001
BAY PORT STATE BANK — 2001
What BAY PORT STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 55,462,000 | 54,944,000 | 53,804,000 | 56,206,000 |
| Total loans | 49,168,000 | 46,737,000 | 44,874,000 | 44,254,000 |
| Allowance for loan losses | 546,000 | 547,000 | 542,000 | 537,000 |
| Securities available for sale | 1,111,000 | 1,623,000 | 1,369,000 | 2,188,000 |
| Securities held to maturity | 323,000 | 308,000 | 308,000 | 253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,284,000 | 50,196,000 | 49,177,000 | 51,490,000 |
| Interest-bearing deposits | 43,455,000 | 45,302,000 | 43,625,000 | 44,160,000 |
| Noninterest-bearing deposits | 4,829,000 | 4,894,000 | 5,552,000 | 7,330,000 |
| Equity capital | 3,351,000 | 3,336,000 | 3,335,000 | 3,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,122,000 | 2,165,000 | 3,143,000 | 4,059,000 |
| Interest expense | 626,000 | 1,220,000 | 1,755,000 | 2,238,000 |
| Net interest income | 496,000 | 945,000 | 1,388,000 | 1,821,000 |
| Noninterest income | 24,000 | 58,000 | 105,000 | 139,000 |
| Noninterest expense | 495,000 | 953,000 | 1,431,000 | 1,879,000 |
| Provision for loan losses | 21,000 | 28,000 | 36,000 | 36,000 |
| Pretax income | 4,000 | 22,000 | 26,000 | 45,000 |
| Income tax | 3,000 | 10,000 | 9,000 | 7,000 |
| Net income | 1,000 | 12,000 | 17,000 | 38,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,344,000 | 3,334,000 | 3,319,000 | 3,491,000 |
| Total capital | 3,890,000 | 3,855,000 | 3,827,000 | 3,989,000 |
| Risk-weighted assets | 42,975,000 | 41,624,000 | 40,577,000 | 39,799,000 |