Call reports 2010
BYRON BANK — 2010
What BYRON BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 211,970,000 | 209,076,000 | 218,635,000 | 216,379,000 |
| Total loans | 133,901,000 | 132,121,000 | 148,067,000 | 143,000,000 |
| Allowance for loan losses | 1,237,000 | 1,539,000 | 1,518,000 | 1,519,000 |
| Securities available for sale | 56,750,000 | 57,247,000 | 53,502,000 | 54,367,000 |
| Securities held to maturity | 120,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,345,000 | 190,272,000 | 197,957,000 | 196,416,000 |
| Interest-bearing deposits | 173,920,000 | 171,387,000 | 178,194,000 | 174,618,000 |
| Noninterest-bearing deposits | 19,425,000 | 18,885,000 | 19,763,000 | 21,798,000 |
| Equity capital | 18,077,000 | 18,312,000 | 19,278,000 | 19,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,411,000 | 4,786,000 | 7,226,000 | 9,670,000 |
| Interest expense | 728,000 | 1,408,000 | 2,054,000 | 2,678,000 |
| Net interest income | 1,683,000 | 3,378,000 | 5,172,000 | 6,992,000 |
| Noninterest income | 408,000 | 902,000 | 1,599,000 | 2,719,000 |
| Noninterest expense | 1,291,000 | 2,702,000 | 4,307,000 | 5,876,000 |
| Provision for loan losses | 500,000 | 1,010,000 | 1,190,000 | 1,520,000 |
| Pretax income | 487,000 | 755,000 | 1,461,000 | 2,502,000 |
| Income tax | 7,000 | 10,000 | 20,000 | 36,000 |
| Net income | 480,000 | 745,000 | 1,441,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,845,000 | 16,678,000 | 17,198,000 | 18,282,000 |
| Total capital | 18,082,000 | 18,217,000 | 18,716,000 | 19,801,000 |
| Risk-weighted assets | 141,743,000 | 138,800,000 | 148,329,000 | 145,626,000 |