Call reports 2004
BAY PORT STATE BANK — 2004
What BAY PORT STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,505,000 | 60,965,000 | 60,002,000 | 61,505,000 |
| Total loans | 53,140,000 | 53,851,000 | 55,302,000 | 54,362,000 |
| Allowance for loan losses | 467,000 | 474,000 | 483,000 | 551,000 |
| Securities available for sale | 1,653,000 | 1,472,000 | 1,332,000 | 1,211,000 |
| Securities held to maturity | 72,000 | 57,000 | 146,000 | 146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,569,000 | 51,769,000 | 50,454,000 | 52,238,000 |
| Interest-bearing deposits | 45,189,000 | 46,218,000 | 44,366,000 | 45,960,000 |
| Noninterest-bearing deposits | 4,380,000 | 5,551,000 | 6,088,000 | 6,278,000 |
| Equity capital | 4,242,000 | 4,400,000 | 4,515,000 | 4,574,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,603,000 | 2,450,000 | 3,326,000 |
| Interest expense | 275,000 | 566,000 | 846,000 | 1,130,000 |
| Net interest income | 522,000 | 1,037,000 | 1,604,000 | 2,196,000 |
| Noninterest income | 30,000 | 68,000 | 104,000 | 150,000 |
| Noninterest expense | 486,000 | 945,000 | 1,385,000 | 1,857,000 |
| Provision for loan losses | 3,000 | 8,000 | 17,000 | 88,000 |
| Pretax income | 63,000 | 152,000 | 306,000 | 401,000 |
| Income tax | 22,000 | 53,000 | 107,000 | 140,000 |
| Net income | 41,000 | 99,000 | 199,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,193,000 | 4,405,000 | 4,511,000 | 4,573,000 |
| Total capital | 4,660,000 | 4,879,000 | 4,994,000 | 5,124,000 |
| Risk-weighted assets | 45,701,000 | 46,795,000 | 47,113,000 | 46,655,000 |