Call reports 2013
BAY PORT STATE BANK — 2013
What BAY PORT STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,152,000 | 88,370,000 | 83,952,000 | 89,730,000 |
| Total loans | 71,608,000 | 72,980,000 | 75,238,000 | 77,294,000 |
| Allowance for loan losses | 838,000 | 812,000 | 833,000 | 837,000 |
| Securities available for sale | 213,000 | 204,000 | 194,000 | 186,000 |
| Securities held to maturity | 42,000 | 42,000 | 36,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,369,000 | 81,524,000 | 77,148,000 | 82,922,000 |
| Interest-bearing deposits | 65,072,000 | 65,191,000 | 65,736,000 | 65,189,000 |
| Noninterest-bearing deposits | 13,297,000 | 16,333,000 | 11,412,000 | 17,733,000 |
| Equity capital | 6,274,000 | 6,348,000 | 6,350,000 | 6,425,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 1,958,000 | 2,944,000 | 3,920,000 |
| Interest expense | 175,000 | 339,000 | 495,000 | 647,000 |
| Net interest income | 814,000 | 1,619,000 | 2,449,000 | 3,273,000 |
| Noninterest income | 53,000 | 117,000 | 182,000 | 244,000 |
| Noninterest expense | 780,000 | 1,514,000 | 2,278,000 | 3,032,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 66,000 | 180,000 | 290,000 | 401,000 |
| Income tax | 11,000 | 51,000 | 89,000 | 125,000 |
| Net income | 55,000 | 129,000 | 201,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,268,000 | 6,342,000 | 6,346,000 | 6,421,000 |
| Total capital | 7,000,000 | 7,092,000 | 7,118,000 | 7,213,000 |
| Risk-weighted assets | 58,465,000 | 59,919,000 | 61,704,000 | 63,357,000 |