Call reports 2025
BAY PORT STATE BANK — 2025
What BAY PORT STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 151,692,000 | 149,345,000 | 150,104,000 | 153,282,000 |
| Total loans | 120,530,000 | 128,854,000 | 130,226,000 | 128,264,000 |
| Allowance for loan losses | 1,664,000 | 1,733,000 | 1,812,000 | 1,940,000 |
| Securities available for sale | 12,442,000 | 12,520,000 | 12,073,000 | 11,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,608,000 | 133,527,000 | 134,091,000 | 136,896,000 |
| Interest-bearing deposits | 85,466,000 | 85,998,000 | 84,839,000 | 84,923,000 |
| Noninterest-bearing deposits | 51,142,000 | 47,529,000 | 49,252,000 | 51,973,000 |
| Equity capital | 14,314,000 | 14,837,000 | 15,271,000 | 15,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,037,000 | 4,166,000 | 6,327,000 | 8,506,000 |
| Interest expense | 368,000 | 751,000 | 1,131,000 | 1,496,000 |
| Net interest income | 1,669,000 | 3,415,000 | 5,196,000 | 7,010,000 |
| Noninterest income | 92,000 | 186,000 | 300,000 | 383,000 |
| Noninterest expense | 1,163,000 | 2,308,000 | 3,459,000 | 4,611,000 |
| Provision for loan losses | 52,000 | 118,000 | 210,000 | 337,000 |
| Pretax income | 551,000 | 1,179,000 | 1,828,000 | 2,448,000 |
| Income tax | 116,000 | 248,000 | 384,000 | 514,000 |
| Net income | 435,000 | 931,000 | 1,444,000 | 1,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,421,000 | 14,853,000 | 15,302,000 | 15,708,000 |