Call reports 2013
BYRON BANK — 2013
What BYRON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,744,000 | 211,107,000 | 224,787,000 | 206,038,000 |
| Total loans | 111,105,000 | 109,810,000 | 111,604,000 | 111,452,000 |
| Allowance for loan losses | 1,759,000 | 1,812,000 | 1,771,000 | 1,624,000 |
| Securities available for sale | 75,189,000 | 73,424,000 | 83,133,000 | 79,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,426,000 | 188,169,000 | 202,112,000 | 182,012,000 |
| Interest-bearing deposits | 161,587,000 | 160,651,000 | 176,341,000 | 158,687,000 |
| Noninterest-bearing deposits | 25,839,000 | 27,518,000 | 25,771,000 | 23,325,000 |
| Equity capital | 23,902,000 | 22,544,000 | 22,291,000 | 21,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,846,000 | 3,651,000 | 5,495,000 | 7,369,000 |
| Interest expense | 299,000 | 586,000 | 879,000 | 1,152,000 |
| Net interest income | 1,547,000 | 3,065,000 | 4,616,000 | 6,217,000 |
| Noninterest income | 920,000 | 1,839,000 | 2,614,000 | 3,217,000 |
| Noninterest expense | 1,860,000 | 3,533,000 | 5,466,000 | 7,073,000 |
| Provision for loan losses | 225,000 | 325,000 | 325,000 | 325,000 |
| Pretax income | 382,000 | 1,047,000 | 1,440,000 | 2,037,000 |
| Income tax | 5,000 | 14,000 | 19,000 | 27,000 |
| Net income | 377,000 | 1,033,000 | 1,421,000 | 2,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,050,000 | 21,283,000 | 21,051,000 | 21,239,000 |
| Total capital | 22,611,000 | 22,798,000 | 22,589,000 | 22,768,000 |
| Risk-weighted assets | 127,876,000 | 124,434,000 | 126,591,000 | 126,324,000 |