Call reports 2021
BYRON BANK — 2021
What BYRON BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 324,102,000 | 330,416,000 | 341,803,000 | 336,312,000 |
| Total loans | 205,296,000 | 196,492,000 | 186,268,000 | 187,575,000 |
| Allowance for loan losses | 2,316,000 | 2,379,000 | 2,493,000 | 2,497,000 |
| Securities available for sale | 75,612,000 | 90,307,000 | 99,275,000 | 114,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,843,000 | 294,298,000 | 304,943,000 | 300,129,000 |
| Interest-bearing deposits | 224,212,000 | 239,156,000 | 249,888,000 | 241,516,000 |
| Noninterest-bearing deposits | 58,631,000 | 55,143,000 | 55,054,000 | 58,613,000 |
| Equity capital | 33,374,000 | 34,146,000 | 34,853,000 | 33,720,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,747,000 | 5,290,000 | 8,109,000 | 10,588,000 |
| Interest expense | 301,000 | 555,000 | 791,000 | 973,000 |
| Net interest income | 2,446,000 | 4,735,000 | 7,318,000 | 9,615,000 |
| Noninterest income | 1,407,000 | 2,558,000 | 3,561,000 | 4,522,000 |
| Noninterest expense | 1,965,000 | 4,130,000 | 6,364,000 | 8,561,000 |
| Provision for loan losses | 120,000 | 180,000 | 240,000 | 240,000 |
| Pretax income | 1,768,000 | 2,983,000 | 4,275,000 | 5,336,000 |
| Income tax | 26,000 | 44,000 | 63,000 | 370,000 |
| Net income | 1,742,000 | 2,939,000 | 4,212,000 | 4,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,523,000 | 32,235,000 | 32,881,000 | 32,795,000 |