Call reports 2017
BYRON BANK — 2017
What BYRON BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 243,080,000 | 246,207,000 | 258,976,000 | 250,156,000 |
| Total loans | 120,596,000 | 125,257,000 | 132,171,000 | 133,726,000 |
| Allowance for loan losses | 1,011,000 | 1,070,000 | 1,162,000 | 1,196,000 |
| Securities available for sale | 100,537,000 | 103,032,000 | 98,888,000 | 94,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,645,000 | 218,523,000 | 230,880,000 | 222,005,000 |
| Interest-bearing deposits | 182,131,000 | 186,263,000 | 199,670,000 | 188,362,000 |
| Noninterest-bearing deposits | 33,514,000 | 32,260,000 | 31,210,000 | 33,643,000 |
| Equity capital | 25,604,000 | 25,787,000 | 26,064,000 | 26,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,011,000 | 4,070,000 | 6,223,000 | 8,448,000 |
| Interest expense | 302,000 | 620,000 | 979,000 | 1,365,000 |
| Net interest income | 1,709,000 | 3,450,000 | 5,244,000 | 7,083,000 |
| Noninterest income | 648,000 | 1,268,000 | 2,040,000 | 2,728,000 |
| Noninterest expense | 1,492,000 | 3,141,000 | 4,650,000 | 6,390,000 |
| Provision for loan losses | 60,000 | 135,000 | 225,000 | 315,000 |
| Pretax income | 805,000 | 1,440,000 | 2,407,000 | 3,104,000 |
| Income tax | 11,000 | 21,000 | 34,000 | 42,000 |
| Net income | 794,000 | 1,419,000 | 2,373,000 | 3,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,666,000 | 24,271,000 | 24,715,000 | 25,404,000 |
| Total capital | 25,677,000 | 25,341,000 | 25,877,000 | 26,600,000 |
| Risk-weighted assets | 138,338,000 | 143,363,000 | 151,508,000 | 150,432,000 |