Call reports 2008
PORT BYRON STATE BANK — 2008
What PORT BYRON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 83,459,000 | 80,867,000 | 84,743,000 | 89,276,000 |
| Total loans | 57,361,000 | 58,527,000 | 61,837,000 | 64,228,000 |
| Allowance for loan losses | 467,000 | 498,000 | 526,000 | 564,000 |
| Securities available for sale | 10,847,000 | 11,332,000 | 11,132,000 | 10,012,000 |
| Securities held to maturity | 1,441,000 | 1,441,000 | 1,441,000 | 1,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,951,000 | 66,849,000 | 70,642,000 | 75,092,000 |
| Interest-bearing deposits | 62,798,000 | 62,015,000 | 65,432,000 | 68,651,000 |
| Noninterest-bearing deposits | 6,153,000 | 4,834,000 | 5,210,000 | 6,441,000 |
| Equity capital | 8,660,000 | 8,505,000 | 8,420,000 | 8,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,212,000 | 2,422,000 | 3,645,000 | 4,835,000 |
| Interest expense | 608,000 | 1,143,000 | 1,684,000 | 2,225,000 |
| Net interest income | 604,000 | 1,279,000 | 1,961,000 | 2,610,000 |
| Noninterest income | 119,000 | 232,000 | 350,000 | 552,000 |
| Noninterest expense | 629,000 | 1,285,000 | 2,087,000 | 2,964,000 |
| Provision for loan losses | 18,000 | 53,000 | 77,000 | 118,000 |
| Pretax income | 118,000 | 215,000 | 189,000 | 122,000 |
| Income tax | 17,000 | 38,000 | 25,000 | -56,000 |
| Net income | 101,000 | 177,000 | 164,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,636,000 | 8,663,000 | 8,477,000 | 8,333,000 |
| Total capital | 9,103,000 | 9,161,000 | 9,003,000 | 8,897,000 |
| Risk-weighted assets | 71,812,000 | 72,388,000 | 75,948,000 | 78,271,000 |
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