Call reports 2019
BYRON BANK — 2019
What BYRON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 255,316,000 | 264,247,000 | 275,837,000 | 271,693,000 |
| Total loans | 149,409,000 | 157,604,000 | 162,473,000 | 170,986,000 |
| Allowance for loan losses | 1,427,000 | 1,568,000 | 1,648,000 | 1,475,000 |
| Securities available for sale | 89,099,000 | 83,321,000 | 81,273,000 | 81,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,383,000 | 234,001,000 | 244,779,000 | 239,516,000 |
| Interest-bearing deposits | 189,024,000 | 195,801,000 | 209,746,000 | 200,260,000 |
| Noninterest-bearing deposits | 36,359,000 | 38,200,000 | 35,033,000 | 39,256,000 |
| Equity capital | 27,518,000 | 28,320,000 | 29,050,000 | 29,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,539,000 | 5,220,000 | 7,938,000 | 10,694,000 |
| Interest expense | 642,000 | 1,335,000 | 2,092,000 | 2,873,000 |
| Net interest income | 1,897,000 | 3,885,000 | 5,846,000 | 7,821,000 |
| Noninterest income | 933,000 | 1,632,000 | 2,587,000 | 3,408,000 |
| Noninterest expense | 1,773,000 | 3,640,000 | 5,379,000 | 7,479,000 |
| Provision for loan losses | 120,000 | 270,000 | 330,000 | 420,000 |
| Pretax income | 937,000 | 1,647,000 | 2,764,000 | 3,370,000 |
| Income tax | 9,000 | 18,000 | 35,000 | 43,000 |
| Net income | 928,000 | 1,629,000 | 2,729,000 | 3,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,741,000 | 26,956,000 | 27,658,000 | 27,772,000 |
| Total capital | 28,168,000 | 28,524,000 | 29,306,000 | 29,247,000 |
| Risk-weighted assets | 166,266,000 | 168,082,000 | 171,588,000 | 178,019,000 |