Call reports 2007
PORT BYRON STATE BANK — 2007
What PORT BYRON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,514,000 | 74,980,000 | 83,011,000 | 82,377,000 |
| Total loans | 48,490,000 | 49,488,000 | 51,801,000 | 53,040,000 |
| Allowance for loan losses | 422,000 | 445,000 | 451,000 | 457,000 |
| Securities available for sale | 15,618,000 | 15,709,000 | 15,411,000 | 13,803,000 |
| Securities held to maturity | 1,007,000 | 1,005,000 | 1,003,000 | 751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,473,000 | 60,548,000 | 68,304,000 | 67,547,000 |
| Interest-bearing deposits | 46,988,000 | 55,314,000 | 63,301,000 | 61,933,000 |
| Noninterest-bearing deposits | 16,485,000 | 5,234,000 | 5,003,000 | 5,614,000 |
| Equity capital | 8,631,000 | 8,304,000 | 8,488,000 | 8,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,325,000 | 3,537,000 | 4,794,000 |
| Interest expense | 586,000 | 1,169,000 | 1,817,000 | 2,471,000 |
| Net interest income | 589,000 | 1,156,000 | 1,720,000 | 2,323,000 |
| Noninterest income | 113,000 | 249,000 | 354,000 | 463,000 |
| Noninterest expense | 567,000 | 1,206,000 | 1,807,000 | 2,531,000 |
| Provision for loan losses | 24,000 | 48,000 | 54,000 | 60,000 |
| Pretax income | 111,000 | 151,000 | 213,000 | 195,000 |
| Income tax | 25,000 | 30,000 | 33,000 | 1,000 |
| Net income | 86,000 | 121,000 | 180,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,765,000 | 8,525,000 | 8,584,000 | 8,552,000 |
| Total capital | 9,187,000 | 8,970,000 | 9,035,000 | 9,009,000 |
| Risk-weighted assets | 56,070,000 | 59,922,000 | 64,173,000 | 65,448,000 |
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