Call reports 2007
BYRON BANK — 2007
What BYRON BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,564,000 | 164,076,000 | 177,674,000 | 179,592,000 |
| Total loans | 104,640,000 | 107,879,000 | 117,224,000 | 120,760,000 |
| Allowance for loan losses | 807,000 | 851,000 | 892,000 | 933,000 |
| Securities available for sale | 41,642,000 | 40,925,000 | 42,971,000 | 43,430,000 |
| Securities held to maturity | 1,840,000 | 1,840,000 | 1,715,000 | 1,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,622,000 | 144,923,000 | 160,104,000 | 158,976,000 |
| Interest-bearing deposits | 130,709,000 | 129,126,000 | 145,951,000 | 143,994,000 |
| Noninterest-bearing deposits | 15,913,000 | 15,797,000 | 14,153,000 | 14,982,000 |
| Equity capital | 13,373,000 | 12,608,000 | 13,248,000 | 13,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,597,000 | 5,250,000 | 8,082,000 | 10,951,000 |
| Interest expense | 1,342,000 | 2,699,000 | 4,215,000 | 5,789,000 |
| Net interest income | 1,255,000 | 2,551,000 | 3,867,000 | 5,162,000 |
| Noninterest income | 265,000 | 586,000 | 869,000 | 1,182,000 |
| Noninterest expense | 903,000 | 2,047,000 | 3,054,000 | 4,306,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 572,000 | 1,000,000 | 1,547,000 | 1,867,000 |
| Income tax | 6,000 | 11,000 | 20,000 | 18,000 |
| Net income | 566,000 | 989,000 | 1,527,000 | 1,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,388,000 | 13,171,000 | 13,359,000 | 13,681,000 |
| Total capital | 14,195,000 | 14,022,000 | 14,251,000 | 14,614,000 |
| Risk-weighted assets | 110,470,000 | 114,657,000 | 123,779,000 | 126,653,000 |