Call reports 2014
BYRON BANK — 2014
What BYRON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 212,658,000 | 226,233,000 | 237,800,000 | 225,557,000 |
| Total loans | 109,488,000 | 111,393,000 | 115,369,000 | 116,946,000 |
| Allowance for loan losses | 1,631,000 | 1,644,000 | 1,562,000 | 1,379,000 |
| Securities available for sale | 83,157,000 | 85,128,000 | 86,576,000 | 85,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,376,000 | 202,107,000 | 213,280,000 | 200,389,000 |
| Interest-bearing deposits | 162,301,000 | 175,288,000 | 189,210,000 | 174,408,000 |
| Noninterest-bearing deposits | 27,076,000 | 26,819,000 | 24,070,000 | 25,981,000 |
| Equity capital | 22,908,000 | 23,743,000 | 24,109,000 | 24,758,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,835,000 | 3,652,000 | 5,519,000 | 7,438,000 |
| Interest expense | 255,000 | 494,000 | 744,000 | 1,001,000 |
| Net interest income | 1,580,000 | 3,158,000 | 4,775,000 | 6,437,000 |
| Noninterest income | 601,000 | 1,284,000 | 1,895,000 | 2,562,000 |
| Noninterest expense | 1,679,000 | 3,212,000 | 4,851,000 | 6,574,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 502,000 | 1,230,000 | 1,824,000 | 2,431,000 |
| Income tax | 7,000 | 16,000 | 24,000 | 32,000 |
| Net income | 495,000 | 1,214,000 | 1,800,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,295,000 | 21,459,000 | 21,669,000 | 22,269,000 |
| Total capital | 22,797,000 | 22,989,000 | 23,231,000 | 23,648,000 |
| Risk-weighted assets | 124,231,000 | 127,378,000 | 130,936,000 | 132,188,000 |