Call reports 2012
BAY PORT STATE BANK — 2012
What BAY PORT STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 84,962,000 | 82,796,000 | 81,324,000 | 85,823,000 |
| Total loans | 66,506,000 | 70,902,000 | 73,036,000 | 72,803,000 |
| Allowance for loan losses | 712,000 | 734,000 | 756,000 | 827,000 |
| Securities available for sale | 236,000 | 231,000 | 226,000 | 218,000 |
| Securities held to maturity | 48,000 | 48,000 | 42,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,223,000 | 75,969,000 | 74,534,000 | 79,047,000 |
| Interest-bearing deposits | 66,246,000 | 64,829,000 | 63,584,000 | 65,418,000 |
| Noninterest-bearing deposits | 11,977,000 | 11,140,000 | 10,950,000 | 13,629,000 |
| Equity capital | 6,176,000 | 6,265,000 | 6,274,000 | 6,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,017,000 | 2,035,000 | 3,077,000 | 4,106,000 |
| Interest expense | 238,000 | 458,000 | 664,000 | 855,000 |
| Net interest income | 779,000 | 1,577,000 | 2,413,000 | 3,251,000 |
| Noninterest income | 54,000 | 117,000 | 171,000 | 229,000 |
| Noninterest expense | 714,000 | 1,418,000 | 2,154,000 | 2,944,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 134,000 |
| Pretax income | 98,000 | 234,000 | 367,000 | 402,000 |
| Income tax | 34,000 | 82,000 | 128,000 | 141,000 |
| Net income | 64,000 | 152,000 | 239,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,172,000 | 6,260,000 | 6,269,000 | 6,291,000 |
| Total capital | 6,859,000 | 6,992,000 | 7,018,000 | 7,040,000 |
| Risk-weighted assets | 54,881,000 | 58,543,000 | 59,897,000 | 59,860,000 |