Call reports 2004
BYRON BANK — 2004
What BYRON BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,842,000 | 125,347,000 | 128,968,000 | 129,169,000 |
| Total loans | 79,369,000 | 77,824,000 | 81,754,000 | 81,979,000 |
| Allowance for loan losses | 759,000 | 804,000 | 842,000 | 715,000 |
| Securities available for sale | 31,147,000 | 30,132,000 | 30,551,000 | 29,138,000 |
| Securities held to maturity | 5,093,000 | 4,675,000 | 4,572,000 | 3,860,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,263,000 | 109,061,000 | 109,052,000 | 110,761,000 |
| Interest-bearing deposits | 90,185,000 | 94,755,000 | 96,843,000 | 97,929,000 |
| Noninterest-bearing deposits | 15,078,000 | 14,306,000 | 12,209,000 | 12,832,000 |
| Equity capital | 12,209,000 | 11,188,000 | 11,813,000 | 12,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,251,000 | 4,923,000 | 6,640,000 |
| Interest expense | 490,000 | 975,000 | 1,477,000 | 2,021,000 |
| Net interest income | 1,146,000 | 2,276,000 | 3,446,000 | 4,619,000 |
| Noninterest income | 249,000 | 593,000 | 809,000 | 1,050,000 |
| Noninterest expense | 697,000 | 1,455,000 | 2,252,000 | 3,071,000 |
| Provision for loan losses | 65,000 | 110,000 | 155,000 | 200,000 |
| Pretax income | 652,000 | 1,356,000 | 1,897,000 | 2,447,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 27,000 |
| Net income | 644,000 | 1,340,000 | 1,874,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,576,000 | 11,273,000 | 11,366,000 | 11,917,000 |
| Total capital | 12,335,000 | 12,077,000 | 12,208,000 | 12,632,000 |
| Risk-weighted assets | 81,438,000 | 81,286,000 | 85,479,000 | 86,377,000 |