Call reports 2005
BAY PORT STATE BANK — 2005
What BAY PORT STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,041,000 | 60,323,000 | 60,767,000 | 61,597,000 |
| Total loans | 54,504,000 | 55,752,000 | 55,885,000 | 55,369,000 |
| Allowance for loan losses | 561,000 | 563,000 | 566,000 | 608,000 |
| Securities available for sale | 1,122,000 | 1,028,000 | 927,000 | 834,000 |
| Securities held to maturity | 144,000 | 129,000 | 123,000 | 123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,639,000 | 50,849,000 | 50,195,000 | 51,959,000 |
| Interest-bearing deposits | 46,775,000 | 46,135,000 | 44,534,000 | 44,929,000 |
| Noninterest-bearing deposits | 4,864,000 | 4,714,000 | 5,661,000 | 7,030,000 |
| Equity capital | 4,645,000 | 4,836,000 | 4,949,000 | 5,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 877,000 | 1,783,000 | 2,723,000 | 3,676,000 |
| Interest expense | 302,000 | 615,000 | 929,000 | 1,261,000 |
| Net interest income | 575,000 | 1,168,000 | 1,794,000 | 2,415,000 |
| Noninterest income | 105,000 | 129,000 | 168,000 | 170,000 |
| Noninterest expense | 508,000 | 970,000 | 1,459,000 | 1,963,000 |
| Provision for loan losses | 8,000 | 8,000 | 8,000 | 57,000 |
| Pretax income | 164,000 | 319,000 | 495,000 | 565,000 |
| Income tax | 57,000 | 112,000 | 173,000 | 189,000 |
| Net income | 107,000 | 207,000 | 322,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,645,000 | 4,835,000 | 4,949,000 | 5,003,000 |
| Total capital | 5,206,000 | 5,398,000 | 5,515,000 | 5,602,000 |
| Risk-weighted assets | 46,870,000 | 47,941,000 | 48,610,000 | 47,948,000 |