Call reports 2015
BYRON BANK — 2015
What BYRON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 224,322,000 | 227,178,000 | 230,917,000 | 235,294,000 |
| Total loans | 119,106,000 | 120,366,000 | 121,399,000 | 118,994,000 |
| Allowance for loan losses | 1,416,000 | 1,380,000 | 1,366,000 | 1,128,000 |
| Securities available for sale | 89,865,000 | 91,474,000 | 92,721,000 | 94,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,021,000 | 201,323,000 | 204,288,000 | 208,372,000 |
| Interest-bearing deposits | 170,541,000 | 175,236,000 | 178,137,000 | 177,041,000 |
| Noninterest-bearing deposits | 27,480,000 | 26,087,000 | 26,151,000 | 31,331,000 |
| Equity capital | 25,077,000 | 24,613,000 | 25,375,000 | 25,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,870,000 | 3,780,000 | 5,751,000 | 7,699,000 |
| Interest expense | 247,000 | 489,000 | 746,000 | 1,011,000 |
| Net interest income | 1,623,000 | 3,291,000 | 5,005,000 | 6,688,000 |
| Noninterest income | 633,000 | 1,325,000 | 2,053,000 | 2,702,000 |
| Noninterest expense | 1,714,000 | 3,251,000 | 4,922,000 | 6,804,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 512,000 | 1,335,000 | 2,106,000 | 2,557,000 |
| Income tax | 6,000 | 18,000 | 28,000 | 32,000 |
| Net income | 506,000 | 1,317,000 | 2,078,000 | 2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,315,000 | 22,526,000 | 22,921,000 | 23,369,000 |
| Total capital | 23,731,000 | 23,906,000 | 24,287,000 | 24,497,000 |
| Risk-weighted assets | 129,574,000 | 128,549,000 | 134,091,000 | 136,148,000 |