Call reports 2016
BYRON BANK — 2016
What BYRON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 237,514,000 | 238,996,000 | 244,546,000 | 235,712,000 |
| Total loans | 121,181,000 | 123,364,000 | 123,735,000 | 119,901,000 |
| Allowance for loan losses | 1,136,000 | 1,073,000 | 1,164,000 | 943,000 |
| Securities available for sale | 98,454,000 | 100,010,000 | 98,754,000 | 99,263,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,927,000 | 210,151,000 | 215,733,000 | 208,876,000 |
| Interest-bearing deposits | 178,608,000 | 181,047,000 | 187,080,000 | 178,852,000 |
| Noninterest-bearing deposits | 31,319,000 | 29,104,000 | 28,653,000 | 30,024,000 |
| Equity capital | 26,301,000 | 26,862,000 | 26,868,000 | 25,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,954,000 | 4,000,000 | 5,999,000 | 7,996,000 |
| Interest expense | 267,000 | 551,000 | 840,000 | 1,140,000 |
| Net interest income | 1,687,000 | 3,449,000 | 5,159,000 | 6,856,000 |
| Noninterest income | 688,000 | 1,424,000 | 2,227,000 | 3,026,000 |
| Noninterest expense | 1,563,000 | 3,354,000 | 4,925,000 | 6,765,000 |
| Provision for loan losses | 0 | 30,000 | 120,000 | 215,000 |
| Pretax income | 862,000 | 1,543,000 | 2,396,000 | 2,960,000 |
| Income tax | 11,000 | 22,000 | 33,000 | 42,000 |
| Net income | 851,000 | 1,521,000 | 2,363,000 | 2,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,755,000 | 23,510,000 | 23,836,000 | 24,392,000 |
| Total capital | 24,891,000 | 24,583,000 | 25,000,000 | 25,335,000 |
| Risk-weighted assets | 137,439,000 | 142,455,000 | 140,250,000 | 140,507,000 |