Call reports 2010
PORT BYRON STATE BANK — 2010
What PORT BYRON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,367,000 | 99,669,000 | 93,623,000 | 93,734,000 |
| Total loans | 71,955,000 | 69,459,000 | 68,041,000 | 66,335,000 |
| Allowance for loan losses | 1,166,000 | 722,000 | 1,030,000 | 1,010,000 |
| Securities available for sale | 11,950,000 | 12,086,000 | 12,081,000 | 11,362,000 |
| Securities held to maturity | 938,000 | 936,000 | 936,000 | 685,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,468,000 | 88,371,000 | 82,506,000 | 82,970,000 |
| Interest-bearing deposits | 80,450,000 | 82,945,000 | 76,494,000 | 77,275,000 |
| Noninterest-bearing deposits | 5,018,000 | 5,426,000 | 6,012,000 | 5,695,000 |
| Equity capital | 8,391,000 | 8,516,000 | 8,291,000 | 8,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,526,000 | 3,867,000 | 5,230,000 |
| Interest expense | 400,000 | 795,000 | 1,149,000 | 1,472,000 |
| Net interest income | 855,000 | 1,731,000 | 2,718,000 | 3,758,000 |
| Noninterest income | 134,000 | 237,000 | 352,000 | 299,000 |
| Noninterest expense | 746,000 | 1,499,000 | 2,280,000 | 3,088,000 |
| Provision for loan losses | 60,000 | 179,000 | 908,000 | 982,000 |
| Pretax income | 183,000 | 290,000 | -118,000 | -10,000 |
| Income tax | 48,000 | 83,000 | -18,000 | -57,000 |
| Net income | 135,000 | 207,000 | -100,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,368,000 | 8,440,000 | 8,134,000 | 8,280,000 |
| Total capital | 9,366,000 | 9,162,000 | 9,076,000 | 9,201,000 |
| Risk-weighted assets | 77,759,000 | 74,865,000 | 73,281,000 | 71,434,000 |