Call reports 2014
PORT BYRON STATE BANK — 2014
What PORT BYRON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,739,000 | 79,013,000 | 75,423,000 | 74,791,000 |
| Total loans | 39,360,000 | 40,340,000 | 41,146,000 | 43,915,000 |
| Allowance for loan losses | 1,209,000 | 1,224,000 | 1,229,000 | 1,039,000 |
| Securities available for sale | 24,877,000 | 24,409,000 | 25,133,000 | 19,117,000 |
| Securities held to maturity | 505,000 | 505,000 | 504,000 | 504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,496,000 | 70,167,000 | 67,187,000 | 66,370,000 |
| Interest-bearing deposits | 65,251,000 | 63,467,000 | 61,349,000 | 59,666,000 |
| Noninterest-bearing deposits | 6,245,000 | 6,700,000 | 5,838,000 | 6,704,000 |
| Equity capital | 7,373,000 | 7,498,000 | 7,402,000 | 7,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 609,000 | 1,225,000 | 1,830,000 | 2,480,000 |
| Interest expense | 81,000 | 157,000 | 232,000 | 302,000 |
| Net interest income | 528,000 | 1,068,000 | 1,598,000 | 2,178,000 |
| Noninterest income | 101,000 | 257,000 | 339,000 | 430,000 |
| Noninterest expense | 841,000 | 1,597,000 | 2,295,000 | 3,006,000 |
| Provision for loan losses | -185,000 | -170,000 | -165,000 | -355,000 |
| Pretax income | -24,000 | -99,000 | -190,000 | -18,000 |
| Income tax | -45,000 | -77,000 | -112,000 | -28,000 |
| Net income | 21,000 | -22,000 | -78,000 | 10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,794,000 | 6,751,000 | 6,695,000 | 6,783,000 |
| Total capital | 7,357,000 | 7,310,000 | 7,264,000 | 7,367,000 |
| Risk-weighted assets | 43,101,000 | 42,810,000 | 43,713,000 | 44,955,000 |