Call reports 2009
PORT BYRON STATE BANK — 2009
What PORT BYRON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 89,901,000 | 90,825,000 | 90,869,000 | 93,879,000 |
| Total loans | 64,616,000 | 64,591,000 | 67,027,000 | 68,964,000 |
| Allowance for loan losses | 587,000 | 615,000 | 653,000 | 1,128,000 |
| Securities available for sale | 10,614,000 | 10,034,000 | 11,566,000 | 11,587,000 |
| Securities held to maturity | 1,386,000 | 1,286,000 | 1,287,000 | 1,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,290,000 | 77,212,000 | 78,036,000 | 82,089,000 |
| Interest-bearing deposits | 71,088,000 | 71,891,000 | 73,188,000 | 76,152,000 |
| Noninterest-bearing deposits | 5,202,000 | 5,321,000 | 4,848,000 | 5,937,000 |
| Equity capital | 8,440,000 | 8,554,000 | 8,758,000 | 8,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,507,000 | 3,764,000 | 5,023,000 |
| Interest expense | 535,000 | 1,006,000 | 1,448,000 | 1,876,000 |
| Net interest income | 640,000 | 1,501,000 | 2,316,000 | 3,147,000 |
| Noninterest income | 105,000 | 224,000 | 332,000 | 464,000 |
| Noninterest expense | 710,000 | 1,450,000 | 2,162,000 | 3,019,000 |
| Provision for loan losses | 29,000 | 57,000 | 95,000 | 734,000 |
| Pretax income | 6,000 | 218,000 | 391,000 | -3,000 |
| Income tax | -2,000 | 37,000 | 91,000 | -54,000 |
| Net income | 8,000 | 181,000 | 300,000 | 51,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,341,000 | 8,514,000 | 8,633,000 | 8,233,000 |
| Total capital | 8,928,000 | 9,129,000 | 9,286,000 | 9,231,000 |
| Risk-weighted assets | 76,461,000 | 74,311,000 | 75,911,000 | 77,830,000 |