Call reports 2006
BYRON BANK — 2006
What BYRON BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 140,807,000 | 146,792,000 | 163,429,000 | 161,777,000 |
| Total loans | 92,820,000 | 94,566,000 | 97,311,000 | 98,704,000 |
| Allowance for loan losses | 842,000 | 846,000 | 729,000 | 762,000 |
| Securities available for sale | 28,585,000 | 30,339,000 | 36,234,000 | 40,375,000 |
| Securities held to maturity | 3,325,000 | 3,323,000 | 2,772,000 | 2,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,079,000 | 128,775,000 | 144,274,000 | 143,364,000 |
| Interest-bearing deposits | 105,658,000 | 113,404,000 | 129,595,000 | 127,641,000 |
| Noninterest-bearing deposits | 16,421,000 | 15,371,000 | 14,679,000 | 15,723,000 |
| Equity capital | 12,345,000 | 11,687,000 | 12,715,000 | 13,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,999,000 | 4,168,000 | 6,574,000 | 9,152,000 |
| Interest expense | 864,000 | 1,859,000 | 3,075,000 | 4,443,000 |
| Net interest income | 1,135,000 | 2,309,000 | 3,499,000 | 4,709,000 |
| Noninterest income | 178,000 | 436,000 | 843,000 | 1,132,000 |
| Noninterest expense | 816,000 | 1,738,000 | 2,542,000 | 3,608,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 90,000 |
| Pretax income | 476,000 | 971,000 | 1,748,000 | 2,136,000 |
| Income tax | 6,000 | 12,000 | 25,000 | 23,000 |
| Net income | 470,000 | 959,000 | 1,723,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,729,000 | 12,419,000 | 12,784,000 | 13,174,000 |
| Total capital | 13,571,000 | 13,265,000 | 13,513,000 | 13,936,000 |
| Risk-weighted assets | 98,558,000 | 102,091,000 | 107,069,000 | 108,931,000 |