Call reports 2023
BYRON BANK — 2023
What BYRON BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 335,605,000 | 351,452,000 | 348,538,000 | 344,771,000 |
| Total loans | 204,460,000 | 215,140,000 | 218,895,000 | 216,019,000 |
| Allowance for loan losses | 2,560,000 | 2,560,000 | 2,582,000 | 2,451,000 |
| Securities available for sale | 111,248,000 | 111,610,000 | 107,456,000 | 108,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,233,000 | 326,171,000 | 319,488,000 | 316,758,000 |
| Interest-bearing deposits | 254,853,000 | 272,481,000 | 267,502,000 | 263,983,000 |
| Noninterest-bearing deposits | 55,381,000 | 53,689,000 | 51,986,000 | 52,775,000 |
| Equity capital | 23,845,000 | 23,379,000 | 21,742,000 | 25,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,206,000 | 6,705,000 | 10,896,000 | 14,839,000 |
| Interest expense | 1,124,000 | 2,610,000 | 4,435,000 | 6,495,000 |
| Net interest income | 2,082,000 | 4,095,000 | 6,461,000 | 8,344,000 |
| Noninterest income | 652,000 | 1,409,000 | 2,155,000 | 2,858,000 |
| Noninterest expense | 2,230,000 | 4,445,000 | 6,767,000 | 9,016,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 30,000 |
| Pretax income | 504,000 | 1,059,000 | 1,819,000 | 1,838,000 |
| Income tax | 40,000 | 57,000 | 73,000 | 137,000 |
| Net income | 464,000 | 1,002,000 | 1,746,000 | 1,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,423,000 | 34,703,000 | 35,169,000 | 34,866,000 |