Call reports 2009
BYRON BANK — 2009
What BYRON BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 202,791,000 | 204,007,000 | 210,646,000 | 206,291,000 |
| Total loans | 139,756,000 | 135,592,000 | 132,331,000 | 135,811,000 |
| Allowance for loan losses | 954,000 | 1,215,000 | 1,385,000 | 1,080,000 |
| Securities available for sale | 43,212,000 | 46,082,000 | 62,762,000 | 54,781,000 |
| Securities held to maturity | 235,000 | 235,000 | 235,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,140,000 | 185,118,000 | 190,342,000 | 186,307,000 |
| Interest-bearing deposits | 160,885,000 | 165,617,000 | 172,823,000 | 166,912,000 |
| Noninterest-bearing deposits | 20,255,000 | 19,501,000 | 17,519,000 | 19,395,000 |
| Equity capital | 16,517,000 | 16,772,000 | 18,194,000 | 18,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,142,000 | 7,625,000 | 10,142,000 |
| Interest expense | 1,006,000 | 1,956,000 | 2,875,000 | 3,714,000 |
| Net interest income | 1,623,000 | 3,186,000 | 4,750,000 | 6,428,000 |
| Noninterest income | 1,096,000 | 2,341,000 | 2,990,000 | 3,625,000 |
| Noninterest expense | 1,292,000 | 2,854,000 | 4,162,000 | 5,607,000 |
| Provision for loan losses | 280,000 | 565,000 | 870,000 | 1,460,000 |
| Pretax income | 1,157,000 | 2,118,000 | 2,724,000 | 3,001,000 |
| Income tax | 17,000 | 31,000 | 39,000 | 42,000 |
| Net income | 1,140,000 | 2,087,000 | 2,685,000 | 2,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,689,000 | 16,037,000 | 16,295,000 | 16,573,000 |
| Total capital | 16,643,000 | 17,252,000 | 17,680,000 | 17,653,000 |
| Risk-weighted assets | 136,684,000 | 131,678,000 | 139,562,000 | 141,682,000 |