Call reports 2002
BYRON BANK — 2002
What BYRON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 100,665,000 | 102,606,000 | 109,577,000 | 111,989,000 |
| Total loans | 53,440,000 | 56,023,000 | 66,601,000 | 69,524,000 |
| Allowance for loan losses | 562,000 | 572,000 | 599,000 | 610,000 |
| Securities available for sale | 24,362,000 | 25,561,000 | 25,631,000 | 25,108,000 |
| Securities held to maturity | 6,098,000 | 6,005,000 | 5,894,000 | 5,890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,961,000 | 89,657,000 | 95,059,000 | 93,028,000 |
| Interest-bearing deposits | 76,774,000 | 78,052,000 | 81,372,000 | 80,389,000 |
| Noninterest-bearing deposits | 11,187,000 | 11,605,000 | 13,687,000 | 12,639,000 |
| Equity capital | 8,663,000 | 8,979,000 | 9,714,000 | 10,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,005,000 | 4,658,000 | 6,326,000 |
| Interest expense | 608,000 | 1,197,000 | 1,776,000 | 2,325,000 |
| Net interest income | 892,000 | 1,808,000 | 2,882,000 | 4,001,000 |
| Noninterest income | 438,000 | 707,000 | 1,148,000 | 1,898,000 |
| Noninterest expense | 599,000 | 1,229,000 | 1,967,000 | 2,868,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 716,000 | 1,256,000 | 2,005,000 | 2,943,000 |
| Income tax | 10,000 | 16,000 | 28,000 | 35,000 |
| Net income | 706,000 | 1,240,000 | 1,977,000 | 2,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,359,000 | 8,295,000 | 8,736,000 | 9,658,000 |
| Total capital | 8,921,000 | 8,867,000 | 9,335,000 | 10,268,000 |
| Risk-weighted assets | 58,247,000 | 60,862,000 | 66,780,000 | 68,951,000 |