Call reports 2007
BAY PORT STATE BANK — 2007
What BAY PORT STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 64,401,000 | 63,647,000 | 65,588,000 | 64,678,000 |
| Total loans | 58,608,000 | 59,955,000 | 61,433,000 | 59,241,000 |
| Allowance for loan losses | 487,000 | 457,000 | 464,000 | 460,000 |
| Securities available for sale | 575,000 | 530,000 | 486,000 | 444,000 |
| Securities held to maturity | 97,000 | 77,000 | 71,000 | 71,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,450,000 | 54,598,000 | 56,489,000 | 57,131,000 |
| Interest-bearing deposits | 48,882,000 | 48,216,000 | 49,534,000 | 49,689,000 |
| Noninterest-bearing deposits | 7,568,000 | 6,382,000 | 6,955,000 | 7,442,000 |
| Equity capital | 5,200,000 | 5,198,000 | 5,209,000 | 5,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,217,000 | 3,369,000 | 4,502,000 |
| Interest expense | 482,000 | 959,000 | 1,467,000 | 1,960,000 |
| Net interest income | 634,000 | 1,258,000 | 1,902,000 | 2,542,000 |
| Noninterest income | 37,000 | 85,000 | 136,000 | 178,000 |
| Noninterest expense | 571,000 | 1,154,000 | 1,742,000 | 2,324,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 13,000 |
| Pretax income | 100,000 | 189,000 | 285,000 | 383,000 |
| Income tax | 35,000 | 66,000 | 100,000 | 128,000 |
| Net income | 65,000 | 123,000 | 185,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,195,000 | 5,195,000 | 5,207,000 | 5,220,000 |
| Total capital | 5,682,000 | 5,652,000 | 5,671,000 | 5,680,000 |
| Risk-weighted assets | 49,854,000 | 50,208,000 | 51,690,000 | 50,340,000 |