Call reports 2017
BAY PORT STATE BANK — 2017
What BAY PORT STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,385,000 | 93,652,000 | 94,227,000 | 97,873,000 |
| Total loans | 84,752,000 | 86,441,000 | 86,586,000 | 85,225,000 |
| Allowance for loan losses | 1,013,000 | 1,035,000 | 1,056,000 | 1,077,000 |
| Securities available for sale | 106,000 | 100,000 | 94,000 | 89,000 |
| Securities held to maturity | 18,000 | 18,000 | 12,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,960,000 | 86,123,000 | 86,530,000 | 90,205,000 |
| Interest-bearing deposits | 66,972,000 | 66,873,000 | 64,820,000 | 64,938,000 |
| Noninterest-bearing deposits | 18,988,000 | 19,250,000 | 21,710,000 | 25,267,000 |
| Equity capital | 7,007,000 | 7,114,000 | 7,237,000 | 7,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,061,000 | 2,135,000 | 3,223,000 | 4,297,000 |
| Interest expense | 119,000 | 241,000 | 364,000 | 485,000 |
| Net interest income | 942,000 | 1,894,000 | 2,859,000 | 3,812,000 |
| Noninterest income | 62,000 | 131,000 | 228,000 | 301,000 |
| Noninterest expense | 769,000 | 1,534,000 | 2,318,000 | 3,083,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 214,000 | 449,000 | 706,000 | 946,000 |
| Income tax | 75,000 | 158,000 | 247,000 | 392,000 |
| Net income | 139,000 | 291,000 | 459,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,006,000 | 7,113,000 | 7,236,000 | 7,286,000 |
| Total capital | 7,900,000 | 8,036,000 | 8,168,000 | 8,188,000 |
| Risk-weighted assets | 71,366,000 | 73,733,000 | 74,471,000 | 71,974,000 |