Call reports 2022
BYRON BANK — 2022
What BYRON BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 330,513,000 | 340,599,000 | 342,469,000 | 334,546,000 |
| Total loans | 182,473,000 | 193,026,000 | 200,182,000 | 203,836,000 |
| Allowance for loan losses | 2,634,000 | 2,605,000 | 2,617,000 | 2,613,000 |
| Securities available for sale | 120,275,000 | 117,810,000 | 113,562,000 | 113,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,715,000 | 300,433,000 | 298,598,000 | 301,081,000 |
| Interest-bearing deposits | 237,799,000 | 244,663,000 | 246,346,000 | 247,380,000 |
| Noninterest-bearing deposits | 61,916,000 | 55,770,000 | 52,252,000 | 53,702,000 |
| Equity capital | 28,534,000 | 23,218,000 | 21,844,000 | 23,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,419,000 | 5,023,000 | 7,917,000 | 11,048,000 |
| Interest expense | 153,000 | 327,000 | 740,000 | 1,697,000 |
| Net interest income | 2,266,000 | 4,696,000 | 7,177,000 | 9,351,000 |
| Noninterest income | 879,000 | 1,608,000 | 2,442,000 | 3,183,000 |
| Noninterest expense | 2,306,000 | 4,382,000 | 6,731,000 | 8,946,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 749,000 | 1,832,000 | 2,798,000 | 3,498,000 |
| Income tax | 95,000 | 190,000 | 285,000 | 184,000 |
| Net income | 654,000 | 1,642,000 | 2,513,000 | 3,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,019,000 | 33,576,000 | 34,018,000 | 34,217,000 |