Call reports 2005
BYRON BANK — 2005
What BYRON BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 131,588,000 | 133,595,000 | 136,006,000 | 134,857,000 |
| Total loans | 80,426,000 | 84,643,000 | 87,656,000 | 88,750,000 |
| Allowance for loan losses | 742,000 | 770,000 | 797,000 | 824,000 |
| Securities available for sale | 31,787,000 | 30,743,000 | 31,063,000 | 29,168,000 |
| Securities held to maturity | 3,758,000 | 3,756,000 | 3,644,000 | 3,327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,140,000 | 115,928,000 | 117,468,000 | 116,623,000 |
| Interest-bearing deposits | 99,326,000 | 100,529,000 | 104,030,000 | 101,841,000 |
| Noninterest-bearing deposits | 14,814,000 | 15,399,000 | 13,438,000 | 14,782,000 |
| Equity capital | 11,986,000 | 12,206,000 | 12,134,000 | 12,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,708,000 | 3,515,000 | 5,428,000 | 7,411,000 |
| Interest expense | 577,000 | 1,208,000 | 1,950,000 | 2,757,000 |
| Net interest income | 1,131,000 | 2,307,000 | 3,478,000 | 4,654,000 |
| Noninterest income | 205,000 | 482,000 | 778,000 | 1,019,000 |
| Noninterest expense | 708,000 | 1,458,000 | 2,282,000 | 3,132,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 601,000 | 1,298,000 | 1,915,000 | 2,449,000 |
| Income tax | 8,000 | 16,000 | 23,000 | 29,000 |
| Net income | 593,000 | 1,282,000 | 1,892,000 | 2,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,065,000 | 11,958,000 | 12,169,000 | 12,701,000 |
| Total capital | 12,807,000 | 12,728,000 | 12,966,000 | 13,525,000 |
| Risk-weighted assets | 85,781,000 | 89,921,000 | 94,104,000 | 94,852,000 |