Call reports 2003
BYRON BANK — 2003
What BYRON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 116,676,000 | 125,532,000 | 126,230,000 | 122,702,000 |
| Total loans | 74,606,000 | 82,117,000 | 73,543,000 | 72,904,000 |
| Allowance for loan losses | 639,000 | 655,000 | 652,000 | 696,000 |
| Securities available for sale | 24,569,000 | 24,148,000 | 27,153,000 | 31,757,000 |
| Securities held to maturity | 5,552,000 | 5,407,000 | 5,403,000 | 5,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,196,000 | 105,142,000 | 109,574,000 | 105,843,000 |
| Interest-bearing deposits | 80,911,000 | 89,065,000 | 96,582,000 | 92,177,000 |
| Noninterest-bearing deposits | 15,285,000 | 16,077,000 | 12,992,000 | 13,666,000 |
| Equity capital | 11,217,000 | 11,192,000 | 11,734,000 | 11,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,622,000 | 3,277,000 | 4,923,000 | 6,528,000 |
| Interest expense | 509,000 | 1,024,000 | 1,549,000 | 2,062,000 |
| Net interest income | 1,113,000 | 2,253,000 | 3,374,000 | 4,466,000 |
| Noninterest income | 617,000 | 1,232,000 | 2,102,000 | 2,312,000 |
| Noninterest expense | 699,000 | 1,486,000 | 2,313,000 | 3,225,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 195,000 |
| Pretax income | 1,001,000 | 1,957,000 | 3,090,000 | 3,390,000 |
| Income tax | 14,000 | 19,000 | 34,000 | 29,000 |
| Net income | 987,000 | 1,938,000 | 3,056,000 | 3,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,345,000 | 10,400,000 | 11,061,000 | 11,372,000 |
| Total capital | 10,984,000 | 11,055,000 | 11,713,000 | 12,068,000 |
| Risk-weighted assets | 71,880,000 | 77,067,000 | 76,910,000 | 76,308,000 |