Call reports 2011
PORT BYRON STATE BANK — 2011
What PORT BYRON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 93,474,000 | 93,431,000 | 93,237,000 | 92,669,000 |
| Total loans | 65,620,000 | 62,119,000 | 59,257,000 | 56,737,000 |
| Allowance for loan losses | 1,033,000 | 1,045,000 | 1,018,000 | 946,000 |
| Securities available for sale | 12,746,000 | 13,370,000 | 14,610,000 | 18,249,000 |
| Securities held to maturity | 509,000 | 508,000 | 508,000 | 508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,390,000 | 82,418,000 | 82,359,000 | 81,923,000 |
| Interest-bearing deposits | 76,742,000 | 76,860,000 | 75,753,000 | 75,804,000 |
| Noninterest-bearing deposits | 5,648,000 | 5,558,000 | 6,606,000 | 6,119,000 |
| Equity capital | 8,512,000 | 8,679,000 | 8,934,000 | 9,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,391,000 | 3,579,000 | 4,766,000 |
| Interest expense | 306,000 | 593,000 | 846,000 | 1,063,000 |
| Net interest income | 889,000 | 1,798,000 | 2,733,000 | 3,703,000 |
| Noninterest income | 175,000 | 278,000 | 325,000 | 359,000 |
| Noninterest expense | 795,000 | 1,619,000 | 2,350,000 | 3,119,000 |
| Provision for loan losses | 25,000 | 88,000 | 107,000 | 187,000 |
| Pretax income | 245,000 | 370,000 | 601,000 | 756,000 |
| Income tax | 69,000 | 121,000 | 204,000 | 246,000 |
| Net income | 176,000 | 249,000 | 397,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,456,000 | 8,529,000 | 8,677,000 | 8,790,000 |
| Total capital | 9,362,000 | 9,372,000 | 9,483,000 | 9,562,000 |
| Risk-weighted assets | 70,255,000 | 64,817,000 | 61,474,000 | 58,603,000 |