Call reports 2012
BYRON BANK — 2012
What BYRON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 224,947,000 | 221,332,000 | 225,638,000 | 223,143,000 |
| Total loans | 131,688,000 | 124,288,000 | 123,559,000 | 118,265,000 |
| Allowance for loan losses | 1,665,000 | 1,661,000 | 1,929,000 | 1,640,000 |
| Securities available for sale | 69,668,000 | 73,097,000 | 78,130,000 | 73,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,791,000 | 197,822,000 | 201,512,000 | 198,749,000 |
| Interest-bearing deposits | 175,159,000 | 173,828,000 | 178,658,000 | 171,642,000 |
| Noninterest-bearing deposits | 26,632,000 | 23,994,000 | 22,854,000 | 27,107,000 |
| Equity capital | 22,752,000 | 23,139,000 | 23,702,000 | 23,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,303,000 | 6,311,000 | 8,339,000 |
| Interest expense | 451,000 | 848,000 | 1,196,000 | 1,530,000 |
| Net interest income | 1,739,000 | 3,455,000 | 5,115,000 | 6,809,000 |
| Noninterest income | 897,000 | 1,783,000 | 2,709,000 | 3,964,000 |
| Noninterest expense | 1,509,000 | 3,079,000 | 4,893,000 | 7,004,000 |
| Provision for loan losses | 450,000 | 1,105,000 | 1,555,000 | 1,855,000 |
| Pretax income | 682,000 | 1,059,000 | 1,382,000 | 2,045,000 |
| Income tax | 9,000 | 17,000 | 21,000 | 28,000 |
| Net income | 673,000 | 1,042,000 | 1,361,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,920,000 | 20,060,000 | 20,094,000 | 20,759,000 |
| Total capital | 21,585,000 | 21,682,000 | 21,783,000 | 22,399,000 |
| Risk-weighted assets | 137,029,000 | 131,832,000 | 137,111,000 | 134,046,000 |