Call reports 2020
BYRON BANK — 2020
What BYRON BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 279,429,000 | 302,762,000 | 325,233,000 | 311,047,000 |
| Total loans | 169,071,000 | 200,538,000 | 211,115,000 | 208,460,000 |
| Allowance for loan losses | 1,889,000 | 1,914,000 | 2,030,000 | 2,250,000 |
| Securities available for sale | 77,172,000 | 75,714,000 | 70,467,000 | 69,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,845,000 | 265,621,000 | 287,263,000 | 271,749,000 |
| Interest-bearing deposits | 203,283,000 | 211,595,000 | 238,094,000 | 219,616,000 |
| Noninterest-bearing deposits | 45,562,000 | 54,025,000 | 49,168,000 | 52,133,000 |
| Equity capital | 28,376,000 | 31,029,000 | 32,057,000 | 32,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,054,000 | 7,756,000 | 10,690,000 |
| Interest expense | 695,000 | 1,277,000 | 1,769,000 | 2,163,000 |
| Net interest income | 1,934,000 | 3,777,000 | 5,987,000 | 8,527,000 |
| Noninterest income | 815,000 | 2,134,000 | 3,655,000 | 5,169,000 |
| Noninterest expense | 1,801,000 | 3,836,000 | 5,943,000 | 8,284,000 |
| Provision for loan losses | 411,000 | 710,000 | 861,000 | 1,086,000 |
| Pretax income | 537,000 | 1,365,000 | 2,839,000 | 4,327,000 |
| Income tax | 12,000 | 23,000 | 41,000 | 61,000 |
| Net income | 525,000 | 1,342,000 | 2,798,000 | 4,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,952,000 | 28,424,000 | 29,535,000 | 30,473,000 |