Call reports 2005
PORT BYRON STATE BANK — 2005
What PORT BYRON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,015,000 | 75,362,000 | 75,238,000 | 73,468,000 |
| Total loans | 48,947,000 | 49,129,000 | 49,765,000 | 49,512,000 |
| Allowance for loan losses | 342,000 | 313,000 | 324,000 | 307,000 |
| Securities available for sale | 10,991,000 | 12,390,000 | 13,528,000 | 14,391,000 |
| Securities held to maturity | 538,000 | 785,000 | 1,080,000 | 1,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,425,000 | 61,970,000 | 61,770,000 | 59,960,000 |
| Interest-bearing deposits | 47,743,000 | 55,647,000 | 54,436,000 | 52,632,000 |
| Noninterest-bearing deposits | 6,682,000 | 6,323,000 | 7,334,000 | 7,328,000 |
| Equity capital | 7,587,000 | 7,845,000 | 7,921,000 | 8,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 905,000 | 1,888,000 | 2,906,000 | 3,930,000 |
| Interest expense | 266,000 | 598,000 | 982,000 | 1,380,000 |
| Net interest income | 639,000 | 1,290,000 | 1,924,000 | 2,550,000 |
| Noninterest income | 87,000 | 165,000 | 248,000 | 330,000 |
| Noninterest expense | 486,000 | 1,024,000 | 1,539,000 | 2,008,000 |
| Provision for loan losses | 8,000 | 29,000 | 50,000 | 67,000 |
| Pretax income | 232,000 | 402,000 | 583,000 | 805,000 |
| Income tax | 64,000 | 111,000 | 164,000 | 221,000 |
| Net income | 168,000 | 291,000 | 419,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,833,000 | 7,957,000 | 8,085,000 | 8,250,000 |
| Total capital | 8,175,000 | 8,270,000 | 8,409,000 | 8,557,000 |
| Risk-weighted assets | 71,244,000 | 54,191,000 | 55,401,000 | 55,571,000 |
Machine access — free, no API key
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