Call reports 2018
BYRON BANK — 2018
What BYRON BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 246,677,000 | 260,425,000 | 270,292,000 | 257,078,000 |
| Total loans | 132,539,000 | 135,266,000 | 143,086,000 | 146,557,000 |
| Allowance for loan losses | 1,145,000 | 1,239,000 | 1,263,000 | 1,318,000 |
| Securities available for sale | 95,676,000 | 93,120,000 | 91,544,000 | 93,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,456,000 | 233,442,000 | 243,381,000 | 225,278,000 |
| Interest-bearing deposits | 184,720,000 | 199,479,000 | 210,646,000 | 190,738,000 |
| Noninterest-bearing deposits | 34,736,000 | 33,963,000 | 32,735,000 | 34,540,000 |
| Equity capital | 25,346,000 | 25,170,000 | 24,961,000 | 26,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,184,000 | 4,417,000 | 6,828,000 | 9,412,000 |
| Interest expense | 400,000 | 840,000 | 1,388,000 | 2,014,000 |
| Net interest income | 1,784,000 | 3,577,000 | 5,440,000 | 7,398,000 |
| Noninterest income | 693,000 | 1,479,000 | 2,181,000 | 2,920,000 |
| Noninterest expense | 1,518,000 | 3,198,000 | 4,814,000 | 6,600,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 330,000 |
| Pretax income | 870,000 | 1,765,000 | 2,645,000 | 3,465,000 |
| Income tax | 12,000 | 25,000 | 38,000 | 47,000 |
| Net income | 858,000 | 1,740,000 | 2,607,000 | 3,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,762,000 | 25,659,000 | 26,107,000 | 26,431,000 |
| Total capital | 26,907,000 | 26,898,000 | 27,370,000 | 27,749,000 |
| Risk-weighted assets | 149,993,000 | 158,454,000 | 165,850,000 | 165,819,000 |