Call reports 2006
BAY PORT STATE BANK — 2006
What BAY PORT STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,127,000 | 62,479,000 | 63,827,000 | 68,188,000 |
| Total loans | 55,805,000 | 58,816,000 | 58,178,000 | 57,490,000 |
| Allowance for loan losses | 500,000 | 486,000 | 489,000 | 481,000 |
| Securities available for sale | 772,000 | 721,000 | 676,000 | 625,000 |
| Securities held to maturity | 123,000 | 103,000 | 97,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,500,000 | 52,432,000 | 53,889,000 | 59,170,000 |
| Interest-bearing deposits | 46,081,000 | 46,477,000 | 48,172,000 | 50,881,000 |
| Noninterest-bearing deposits | 5,419,000 | 5,955,000 | 5,717,000 | 8,289,000 |
| Equity capital | 5,039,000 | 5,105,000 | 5,166,000 | 5,191,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,994,000 | 3,096,000 | 4,213,000 |
| Interest expense | 346,000 | 741,000 | 1,183,000 | 1,668,000 |
| Net interest income | 616,000 | 1,253,000 | 1,913,000 | 2,545,000 |
| Noninterest income | 46,000 | 78,000 | 115,000 | 115,000 |
| Noninterest expense | 539,000 | 1,034,000 | 1,565,000 | 2,094,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 297,000 | 463,000 | 566,000 |
| Income tax | 43,000 | 104,000 | 162,000 | 185,000 |
| Net income | 80,000 | 193,000 | 301,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,039,000 | 5,106,000 | 5,164,000 | 5,188,000 |
| Total capital | 5,539,000 | 5,592,000 | 5,653,000 | 5,669,000 |
| Risk-weighted assets | 47,910,000 | 50,187,000 | 50,426,000 | 50,941,000 |