Call reports 2002
PORT BYRON STATE BANK — 2002
What PORT BYRON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,072,000 | 63,311,000 | 68,690,000 | 67,663,000 |
| Total loans | 40,134,000 | 42,547,000 | 43,569,000 | 43,576,000 |
| Allowance for loan losses | 251,000 | 264,000 | 276,000 | 313,000 |
| Securities available for sale | 14,375,000 | 11,733,000 | 11,956,000 | 16,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,067,000 | 55,832,000 | 60,982,000 | 59,762,000 |
| Interest-bearing deposits | 48,051,000 | 49,821,000 | 55,120,000 | 53,837,000 |
| Noninterest-bearing deposits | 6,016,000 | 6,011,000 | 5,862,000 | 5,925,000 |
| Equity capital | 5,983,000 | 6,360,000 | 6,555,000 | 6,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 1,922,000 | 2,888,000 | 3,878,000 |
| Interest expense | 430,000 | 809,000 | 1,184,000 | 1,574,000 |
| Net interest income | 522,000 | 1,113,000 | 1,704,000 | 2,304,000 |
| Noninterest income | 69,000 | 125,000 | 196,000 | 269,000 |
| Noninterest expense | 402,000 | 795,000 | 1,216,000 | 1,702,000 |
| Provision for loan losses | 11,000 | 24,000 | 36,000 | 73,000 |
| Pretax income | 178,000 | 419,000 | 648,000 | 798,000 |
| Income tax | 40,000 | 103,000 | 167,000 | 204,000 |
| Net income | 138,000 | 316,000 | 481,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,825,000 | 6,319,000 | 6,484,000 | 6,543,000 |
| Total capital | 6,076,000 | 6,583,000 | 6,760,000 | 6,856,000 |
| Risk-weighted assets | 42,366,000 | 38,166,000 | 45,996,000 | 45,918,000 |
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