Call reports 2022
BAY PORT STATE BANK — 2022
What BAY PORT STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 145,276,000 | 145,176,000 | 143,954,000 | 142,599,000 |
| Total loans | 98,282,000 | 102,486,000 | 103,365,000 | 102,915,000 |
| Allowance for loan losses | 1,492,000 | 1,491,000 | 1,491,000 | 1,490,000 |
| Securities available for sale | 2,395,000 | 2,367,000 | 8,530,000 | 8,485,000 |
| Securities held to maturity | 500,000 | 0 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,664,000 | 134,395,000 | 133,094,000 | 131,278,000 |
| Interest-bearing deposits | 84,254,000 | 85,568,000 | 83,689,000 | 79,781,000 |
| Noninterest-bearing deposits | 50,410,000 | 48,827,000 | 49,405,000 | 51,497,000 |
| Equity capital | 10,242,000 | 10,370,000 | 10,498,000 | 10,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,079,000 | 2,245,000 | 3,621,000 | 5,192,000 |
| Interest expense | 66,000 | 130,000 | 193,000 | 267,000 |
| Net interest income | 1,013,000 | 2,115,000 | 3,428,000 | 4,925,000 |
| Noninterest income | 102,000 | 187,000 | 278,000 | 372,000 |
| Noninterest expense | 945,000 | 1,893,000 | 2,925,000 | 3,902,000 |
| Provision for loan losses | -58,000 | -58,000 | -58,000 | -59,000 |
| Pretax income | 228,000 | 467,000 | 839,000 | 1,454,000 |
| Income tax | 48,000 | 98,000 | 176,000 | 305,000 |
| Net income | 180,000 | 369,000 | 663,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,321,000 | 10,471,000 | 10,719,000 | 11,155,000 |
| Total capital | 11,460,000 | 11,584,000 | 11,852,000 | 12,294,000 |
| Risk-weighted assets | 90,713,000 | 88,698,000 | 90,308,000 | 90,791,000 |