Call reports 2001
BYRON BANK — 2001
What BYRON BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 84,918,000 | 88,465,000 | 95,270,000 | 96,340,000 |
| Total loans | 49,728,000 | 48,279,000 | 50,750,000 | 55,410,000 |
| Allowance for loan losses | 525,000 | 539,000 | 550,000 | 547,000 |
| Securities available for sale | 23,498,000 | 21,599,000 | 23,730,000 | 23,630,000 |
| Securities held to maturity | 6,385,000 | 6,269,000 | 6,451,000 | 6,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,045,000 | 76,904,000 | 83,219,000 | 83,620,000 |
| Interest-bearing deposits | 60,814,000 | 65,807,000 | 71,639,000 | 73,391,000 |
| Noninterest-bearing deposits | 11,231,000 | 11,097,000 | 11,580,000 | 10,229,000 |
| Equity capital | 7,463,000 | 7,436,000 | 7,889,000 | 8,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 2,994,000 | 4,524,000 | 6,135,000 |
| Interest expense | 795,000 | 1,552,000 | 2,315,000 | 2,996,000 |
| Net interest income | 717,000 | 1,442,000 | 2,209,000 | 3,139,000 |
| Noninterest income | 266,000 | 602,000 | 890,000 | 1,465,000 |
| Noninterest expense | 572,000 | 1,149,000 | 1,811,000 | 2,620,000 |
| Provision for loan losses | 14,000 | 29,000 | 44,000 | 59,000 |
| Pretax income | 397,000 | 866,000 | 1,244,000 | 1,925,000 |
| Income tax | 5,000 | 11,000 | 15,000 | 23,000 |
| Net income | 392,000 | 855,000 | 1,229,000 | 1,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,209,000 | 7,195,000 | 7,244,000 | 7,905,000 |
| Total capital | 7,734,000 | 7,734,000 | 7,794,000 | 8,452,000 |
| Risk-weighted assets | 52,423,000 | 53,600,000 | 56,909,000 | 56,507,000 |