Call reports 2006
PORT BYRON STATE BANK — 2006
What PORT BYRON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 71,910,000 | 72,003,000 | 76,225,000 | 78,461,000 |
| Total loans | 48,470,000 | 48,741,000 | 50,677,000 | 50,006,000 |
| Allowance for loan losses | 307,000 | 329,000 | 353,000 | 372,000 |
| Securities available for sale | 14,615,000 | 14,756,000 | 14,954,000 | 14,965,000 |
| Securities held to maturity | 1,035,000 | 1,034,000 | 1,031,000 | 1,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,770,000 | 58,124,000 | 59,502,000 | 62,850,000 |
| Interest-bearing deposits | 53,000,000 | 53,147,000 | 53,779,000 | 57,677,000 |
| Noninterest-bearing deposits | 5,770,000 | 4,977,000 | 5,723,000 | 5,173,000 |
| Equity capital | 8,095,000 | 8,150,000 | 8,403,000 | 8,543,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 997,000 | 2,029,000 | 3,174,000 | 4,321,000 |
| Interest expense | 413,000 | 846,000 | 1,336,000 | 1,883,000 |
| Net interest income | 584,000 | 1,183,000 | 1,838,000 | 2,438,000 |
| Noninterest income | 103,000 | 201,000 | 312,000 | 433,000 |
| Noninterest expense | 530,000 | 1,043,000 | 1,581,000 | 2,151,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 96,000 |
| Pretax income | 133,000 | 293,000 | 497,000 | 624,000 |
| Income tax | 28,000 | 71,000 | 133,000 | 169,000 |
| Net income | 105,000 | 222,000 | 364,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,355,000 | 8,472,000 | 8,614,000 | 8,705,000 |
| Total capital | 8,662,000 | 8,801,000 | 8,967,000 | 9,077,000 |
| Risk-weighted assets | 53,731,000 | 54,227,000 | 57,378,000 | 54,761,000 |
Machine access — free, no API key
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