Call reports 2011
BYRON BANK — 2011
What BYRON BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 223,544,000 | 222,417,000 | 228,118,000 | 223,459,000 |
| Total loans | 132,150,000 | 135,121,000 | 141,283,000 | 134,490,000 |
| Allowance for loan losses | 1,857,000 | 2,184,000 | 3,443,000 | 2,039,000 |
| Securities available for sale | 59,989,000 | 71,076,000 | 67,686,000 | 63,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,320,000 | 201,410,000 | 206,949,000 | 200,845,000 |
| Interest-bearing deposits | 182,632,000 | 181,117,000 | 185,241,000 | 178,057,000 |
| Noninterest-bearing deposits | 20,688,000 | 20,292,000 | 21,708,000 | 22,788,000 |
| Equity capital | 19,727,000 | 20,237,000 | 20,761,000 | 22,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,367,000 | 4,801,000 | 7,278,000 | 9,630,000 |
| Interest expense | 560,000 | 1,117,000 | 1,661,000 | 2,174,000 |
| Net interest income | 1,807,000 | 3,684,000 | 5,617,000 | 7,456,000 |
| Noninterest income | 560,000 | 876,000 | 1,376,000 | 2,138,000 |
| Noninterest expense | 1,466,000 | 2,807,000 | 4,182,000 | 5,494,000 |
| Provision for loan losses | 570,000 | 1,015,000 | 2,325,000 | 3,155,000 |
| Pretax income | 331,000 | 738,000 | 698,000 | 1,309,000 |
| Income tax | 5,000 | 12,000 | 10,000 | 18,000 |
| Net income | 326,000 | 726,000 | 688,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,346,000 | 18,221,000 | 17,929,000 | 19,427,000 |
| Total capital | 20,086,000 | 20,015,000 | 19,769,000 | 21,173,000 |
| Risk-weighted assets | 141,713,000 | 144,891,000 | 148,142,000 | 139,461,000 |