Call reports 2015
BAY PORT STATE BANK — 2015
What BAY PORT STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,046,000 | 93,245,000 | 94,254,000 | 96,945,000 |
| Total loans | 80,175,000 | 85,175,000 | 81,800,000 | 83,366,000 |
| Allowance for loan losses | 895,000 | 914,000 | 935,000 | 914,000 |
| Securities available for sale | 151,000 | 146,000 | 140,000 | 134,000 |
| Securities held to maturity | 30,000 | 30,000 | 24,000 | 24,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,052,000 | 85,965,000 | 87,021,000 | 89,646,000 |
| Interest-bearing deposits | 65,746,000 | 67,305,000 | 64,984,000 | 63,787,000 |
| Noninterest-bearing deposits | 17,306,000 | 18,660,000 | 22,037,000 | 25,859,000 |
| Equity capital | 6,538,000 | 6,649,000 | 6,668,000 | 6,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 2,015,000 | 3,055,000 | 4,080,000 |
| Interest expense | 132,000 | 268,000 | 398,000 | 521,000 |
| Net interest income | 846,000 | 1,747,000 | 2,657,000 | 3,559,000 |
| Noninterest income | 62,000 | 137,000 | 212,000 | 283,000 |
| Noninterest expense | 814,000 | 1,597,000 | 2,412,000 | 3,193,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 73,000 | 245,000 | 394,000 | 565,000 |
| Income tax | 25,000 | 86,000 | 138,000 | 198,000 |
| Net income | 48,000 | 159,000 | 256,000 | 367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,535,000 | 6,646,000 | 6,665,000 | 6,776,000 |
| Total capital | 7,371,000 | 7,540,000 | 7,530,000 | 7,635,000 |
| Risk-weighted assets | 66,871,000 | 71,513,000 | 69,145,000 | 68,634,000 |