Call reports 2009
BAY PORT STATE BANK — 2009
What BAY PORT STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 73,935,000 | 77,523,000 | 79,612,000 | 78,387,000 |
| Total loans | 63,889,000 | 66,624,000 | 64,713,000 | 62,109,000 |
| Allowance for loan losses | 416,000 | 422,000 | 419,000 | 376,000 |
| Securities available for sale | 343,000 | 332,000 | 324,000 | 313,000 |
| Securities held to maturity | 65,000 | 65,000 | 59,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,114,000 | 69,516,000 | 71,735,000 | 69,543,000 |
| Interest-bearing deposits | 55,621,000 | 57,727,000 | 59,097,000 | 60,405,000 |
| Noninterest-bearing deposits | 10,493,000 | 11,789,000 | 12,638,000 | 9,138,000 |
| Equity capital | 5,602,000 | 5,603,000 | 5,632,000 | 6,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 970,000 | 1,955,000 | 2,991,000 | 3,990,000 |
| Interest expense | 406,000 | 816,000 | 1,231,000 | 1,628,000 |
| Net interest income | 564,000 | 1,139,000 | 1,760,000 | 2,362,000 |
| Noninterest income | 31,000 | 67,000 | 104,000 | 133,000 |
| Noninterest expense | 618,000 | 1,237,000 | 1,851,000 | 2,478,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | -29,000 | -43,000 | -5,000 | -7,000 |
| Income tax | 0 | -15,000 | -2,000 | -8,000 |
| Net income | -29,000 | -28,000 | -3,000 | 1,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,602,000 | 5,603,000 | 5,628,000 | 6,057,000 |
| Total capital | 6,018,000 | 6,025,000 | 6,047,000 | 6,433,000 |
| Risk-weighted assets | 53,278,000 | 55,269,000 | 54,171,000 | 51,454,000 |