Call reports 2010
BAY PORT STATE BANK — 2010
What BAY PORT STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 78,012,000 | 82,424,000 | 80,728,000 | 84,190,000 |
| Total loans | 65,524,000 | 66,111,000 | 66,387,000 | 64,677,000 |
| Allowance for loan losses | 388,000 | 375,000 | 389,000 | 541,000 |
| Securities available for sale | 297,000 | 285,000 | 277,000 | 271,000 |
| Securities held to maturity | 60,000 | 60,000 | 54,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,745,000 | 74,048,000 | 72,394,000 | 75,980,000 |
| Interest-bearing deposits | 61,536,000 | 62,762,000 | 61,380,000 | 64,229,000 |
| Noninterest-bearing deposits | 8,209,000 | 11,286,000 | 11,014,000 | 11,751,000 |
| Equity capital | 6,050,000 | 6,075,000 | 6,142,000 | 6,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 979,000 | 1,993,000 | 3,045,000 | 4,059,000 |
| Interest expense | 380,000 | 749,000 | 1,090,000 | 1,400,000 |
| Net interest income | 599,000 | 1,244,000 | 1,955,000 | 2,659,000 |
| Noninterest income | 51,000 | 94,000 | 143,000 | 197,000 |
| Noninterest expense | 657,000 | 1,293,000 | 1,939,000 | 2,587,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 191,000 |
| Pretax income | -19,000 | 21,000 | 123,000 | 78,000 |
| Income tax | -7,000 | 7,000 | 43,000 | 27,000 |
| Net income | -12,000 | 14,000 | 80,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,045,000 | 6,070,000 | 6,137,000 | 6,108,000 |
| Total capital | 6,433,000 | 6,445,000 | 6,526,000 | 6,649,000 |
| Risk-weighted assets | 51,902,000 | 52,858,000 | 53,327,000 | 52,570,000 |