Call reports 2012
PORT BYRON STATE BANK — 2012
What PORT BYRON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,897,000 | 89,283,000 | 87,357,000 | 85,977,000 |
| Total loans | 57,077,000 | 52,567,000 | 54,457,000 | 52,570,000 |
| Allowance for loan losses | 1,130,000 | 1,276,000 | 2,733,000 | 2,214,000 |
| Securities available for sale | 17,120,000 | 19,286,000 | 20,000,000 | 19,551,000 |
| Securities held to maturity | 507,000 | 507,000 | 507,000 | 506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,331,000 | 78,730,000 | 77,049,000 | 77,079,000 |
| Interest-bearing deposits | 75,052,000 | 72,056,000 | 71,293,000 | 71,605,000 |
| Noninterest-bearing deposits | 7,279,000 | 6,674,000 | 5,756,000 | 5,474,000 |
| Equity capital | 9,060,000 | 9,047,000 | 8,110,000 | 7,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,085,000 | 2,070,000 | 2,994,000 | 3,849,000 |
| Interest expense | 198,000 | 374,000 | 531,000 | 692,000 |
| Net interest income | 887,000 | 1,696,000 | 2,463,000 | 3,157,000 |
| Noninterest income | 61,000 | 154,000 | 251,000 | 225,000 |
| Noninterest expense | 723,000 | 1,478,000 | 2,290,000 | 3,107,000 |
| Provision for loan losses | 198,000 | 344,000 | 1,800,000 | 2,445,000 |
| Pretax income | 142,000 | 143,000 | -1,260,000 | -2,051,000 |
| Income tax | 77,000 | 91,000 | -369,000 | -878,000 |
| Net income | 65,000 | 52,000 | -891,000 | -1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,855,000 | 8,842,000 | 7,899,000 | 7,618,000 |
| Total capital | 9,636,000 | 9,567,000 | 8,648,000 | 8,351,000 |
| Risk-weighted assets | 59,255,000 | 54,339,000 | 55,244,000 | 54,461,000 |