Call reports 2013
PORT BYRON STATE BANK — 2013
What PORT BYRON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 87,524,000 | 84,999,000 | 82,263,000 | 77,930,000 |
| Total loans | 47,778,000 | 45,370,000 | 41,801,000 | 37,866,000 |
| Allowance for loan losses | 2,149,000 | 1,889,000 | 1,072,000 | 1,077,000 |
| Securities available for sale | 22,840,000 | 22,871,000 | 25,486,000 | 26,121,000 |
| Securities held to maturity | 506,000 | 506,000 | 506,000 | 505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,807,000 | 76,504,000 | 74,077,000 | 69,882,000 |
| Interest-bearing deposits | 72,239,000 | 70,297,000 | 68,261,000 | 63,802,000 |
| Noninterest-bearing deposits | 6,568,000 | 6,207,000 | 5,816,000 | 6,080,000 |
| Equity capital | 7,775,000 | 7,386,000 | 7,371,000 | 7,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 821,000 | 1,543,000 | 2,223,000 | 2,844,000 |
| Interest expense | 113,000 | 214,000 | 306,000 | 392,000 |
| Net interest income | 708,000 | 1,329,000 | 1,917,000 | 2,452,000 |
| Noninterest income | 99,000 | 190,000 | 670,000 | 779,000 |
| Noninterest expense | 710,000 | 1,470,000 | 2,211,000 | 2,961,000 |
| Provision for loan losses | 0 | 110,000 | 347,000 | 457,000 |
| Pretax income | 97,000 | -61,000 | 29,000 | -187,000 |
| Income tax | 19,000 | -28,000 | -25,000 | -95,000 |
| Net income | 78,000 | -33,000 | 54,000 | -92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,696,000 | 6,958,000 | 7,020,000 | 6,761,000 |
| Total capital | 8,380,000 | 7,577,000 | 7,595,000 | 7,305,000 |
| Risk-weighted assets | 50,398,000 | 47,007,000 | 44,099,000 | 41,531,000 |