Call reports 2011
BAY PORT STATE BANK — 2011
What BAY PORT STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,395,000 | 83,146,000 | 84,047,000 | 86,073,000 |
| Total loans | 65,560,000 | 67,976,000 | 69,764,000 | 69,270,000 |
| Allowance for loan losses | 553,000 | 535,000 | 569,000 | 697,000 |
| Securities available for sale | 265,000 | 258,000 | 248,000 | 242,000 |
| Securities held to maturity | 54,000 | 54,000 | 48,000 | 48,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,201,000 | 74,851,000 | 75,766,000 | 77,767,000 |
| Interest-bearing deposits | 63,864,000 | 64,568,000 | 63,287,000 | 64,229,000 |
| Noninterest-bearing deposits | 10,337,000 | 10,283,000 | 12,479,000 | 13,538,000 |
| Equity capital | 6,060,000 | 6,140,000 | 6,125,000 | 6,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,992,000 | 3,029,000 | 4,108,000 |
| Interest expense | 295,000 | 575,000 | 850,000 | 1,107,000 |
| Net interest income | 689,000 | 1,417,000 | 2,179,000 | 3,001,000 |
| Noninterest income | 47,000 | 99,000 | 154,000 | 222,000 |
| Noninterest expense | 685,000 | 1,330,000 | 2,018,000 | 2,664,000 |
| Provision for loan losses | 12,000 | 24,000 | 57,000 | 197,000 |
| Pretax income | 39,000 | 162,000 | 258,000 | 362,000 |
| Income tax | 14,000 | 57,000 | 90,000 | 126,000 |
| Net income | 25,000 | 105,000 | 168,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,055,000 | 6,135,000 | 6,120,000 | 6,188,000 |
| Total capital | 6,608,000 | 6,670,000 | 6,689,000 | 6,885,000 |
| Risk-weighted assets | 52,326,000 | 54,116,000 | 56,148,000 | 56,397,000 |