Call reports 2004
PORT BYRON STATE BANK — 2004
What PORT BYRON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 70,682,000 | 72,184,000 | 70,093,000 | 68,377,000 |
| Total loans | 45,542,000 | 48,798,000 | 48,923,000 | 48,570,000 |
| Allowance for loan losses | 346,000 | 352,000 | 346,000 | 346,000 |
| Securities available for sale | 15,353,000 | 12,624,000 | 11,088,000 | 10,778,000 |
| Securities held to maturity | 0 | 114,000 | 41,000 | 247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,210,000 | 60,030,000 | 57,375,000 | 55,459,000 |
| Interest-bearing deposits | 51,791,000 | 52,777,000 | 50,415,000 | 48,762,000 |
| Noninterest-bearing deposits | 7,419,000 | 7,253,000 | 6,960,000 | 6,697,000 |
| Equity capital | 7,203,000 | 7,060,000 | 7,446,000 | 7,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,810,000 | 2,724,000 | 3,639,000 |
| Interest expense | 283,000 | 557,000 | 812,000 | 1,053,000 |
| Net interest income | 610,000 | 1,253,000 | 1,912,000 | 2,586,000 |
| Noninterest income | 79,000 | 154,000 | 231,000 | 302,000 |
| Noninterest expense | 488,000 | 971,000 | 1,473,000 | 1,966,000 |
| Provision for loan losses | 70,000 | 81,000 | 81,000 | 81,000 |
| Pretax income | 140,000 | 344,000 | 550,000 | 802,000 |
| Income tax | 41,000 | 90,000 | 149,000 | 223,000 |
| Net income | 99,000 | 254,000 | 401,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,232,000 | 7,388,000 | 7,534,000 | 7,666,000 |
| Total capital | 7,578,000 | 7,740,000 | 7,880,000 | 8,012,000 |
| Risk-weighted assets | 54,326,000 | 50,190,000 | 48,385,000 | 48,982,000 |
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