Call reports 2003
PORT BYRON STATE BANK — 2003
What PORT BYRON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,127,000 | 70,448,000 | 70,163,000 | 72,561,000 |
| Total loans | 42,994,000 | 43,102,000 | 42,645,000 | 43,785,000 |
| Allowance for loan losses | 327,000 | 343,000 | 358,000 | 276,000 |
| Securities available for sale | 16,978,000 | 17,341,000 | 13,615,000 | 12,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,697,000 | 60,043,000 | 60,541,000 | 61,823,000 |
| Interest-bearing deposits | 53,530,000 | 53,923,000 | 54,371,000 | 54,862,000 |
| Noninterest-bearing deposits | 6,167,000 | 6,120,000 | 6,170,000 | 6,961,000 |
| Equity capital | 6,792,000 | 7,015,000 | 6,885,000 | 7,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 944,000 | 1,919,000 | 2,849,000 | 3,775,000 |
| Interest expense | 360,000 | 709,000 | 1,039,000 | 1,338,000 |
| Net interest income | 584,000 | 1,210,000 | 1,810,000 | 2,437,000 |
| Noninterest income | 98,000 | 185,000 | 307,000 | 384,000 |
| Noninterest expense | 436,000 | 881,000 | 1,382,000 | 1,887,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 231,000 | 484,000 | 690,000 | 874,000 |
| Income tax | 64,000 | 133,000 | 192,000 | 237,000 |
| Net income | 167,000 | 351,000 | 498,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,710,000 | 6,893,000 | 7,040,000 | 7,133,000 |
| Total capital | 7,037,000 | 7,235,000 | 7,398,000 | 7,409,000 |
| Risk-weighted assets | 46,815,000 | 47,754,000 | 48,019,000 | 49,583,000 |
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