Call reports 2008
BYRON BANK — 2008
What BYRON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 178,538,000 | 177,987,000 | 187,629,000 | 191,515,000 |
| Total loans | 122,559,000 | 119,587,000 | 129,765,000 | 135,780,000 |
| Allowance for loan losses | 870,000 | 905,000 | 948,000 | 875,000 |
| Securities available for sale | 42,130,000 | 41,247,000 | 41,178,000 | 42,099,000 |
| Securities held to maturity | 1,390,000 | 1,090,000 | 1,090,000 | 600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,778,000 | 160,673,000 | 170,277,000 | 170,917,000 |
| Interest-bearing deposits | 142,330,000 | 143,151,000 | 153,559,000 | 151,364,000 |
| Noninterest-bearing deposits | 17,448,000 | 17,522,000 | 16,718,000 | 19,553,000 |
| Equity capital | 14,796,000 | 14,397,000 | 14,734,000 | 15,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,771,000 | 5,398,000 | 8,067,000 | 10,725,000 |
| Interest expense | 1,456,000 | 2,631,000 | 3,740,000 | 4,850,000 |
| Net interest income | 1,315,000 | 2,767,000 | 4,327,000 | 5,875,000 |
| Noninterest income | 414,000 | 891,000 | 1,171,000 | 1,550,000 |
| Noninterest expense | 1,067,000 | 2,199,000 | 3,315,000 | 4,609,000 |
| Provision for loan losses | 0 | 45,000 | 120,000 | 520,000 |
| Pretax income | 665,000 | 1,418,000 | 2,075,000 | 2,309,000 |
| Income tax | 10,000 | 20,000 | 29,000 | 31,000 |
| Net income | 655,000 | 1,398,000 | 2,046,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,187,000 | 14,380,000 | 14,577,000 | 14,810,000 |
| Total capital | 15,057,000 | 15,285,000 | 15,525,000 | 15,685,000 |
| Risk-weighted assets | 124,870,000 | 124,641,000 | 135,593,000 | 137,024,000 |