Call reports 2015
PORT BYRON STATE BANK — 2015
What PORT BYRON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 75,287,000 | 74,610,000 | 71,930,000 | 72,126,000 |
| Total loans | 44,399,000 | 45,204,000 | 43,055,000 | 42,245,000 |
| Allowance for loan losses | 1,043,000 | 1,013,000 | 740,000 | 740,000 |
| Securities available for sale | 18,741,000 | 16,781,000 | 16,163,000 | 15,455,000 |
| Securities held to maturity | 504,000 | 503,000 | 503,000 | 503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,816,000 | 66,166,000 | 63,485,000 | 63,719,000 |
| Interest-bearing deposits | 60,173,000 | 59,820,000 | 57,691,000 | 57,035,000 |
| Noninterest-bearing deposits | 6,643,000 | 6,346,000 | 5,794,000 | 6,684,000 |
| Equity capital | 7,584,000 | 7,567,000 | 7,591,000 | 7,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,209,000 | 1,784,000 | 2,343,000 |
| Interest expense | 65,000 | 129,000 | 194,000 | 257,000 |
| Net interest income | 527,000 | 1,080,000 | 1,590,000 | 2,086,000 |
| Noninterest income | 85,000 | 160,000 | 239,000 | 309,000 |
| Noninterest expense | 693,000 | 1,341,000 | 1,964,000 | 2,544,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -81,000 | -101,000 | -135,000 | -149,000 |
| Income tax | -33,000 | -54,000 | -72,000 | -89,000 |
| Net income | -48,000 | -47,000 | -63,000 | -60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,680,000 | 6,681,000 | 6,665,000 | 6,667,000 |
| Total capital | 7,268,000 | 7,277,000 | 7,240,000 | 7,236,000 |
| Risk-weighted assets | 46,574,000 | 47,260,000 | 45,328,000 | 44,807,000 |