Call reports 2024
BYRON BANK — 2024
What BYRON BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 342,362,000 | 363,614,000 | 366,945,000 | 362,791,000 |
| Total loans | 220,085,000 | 227,055,000 | 233,143,000 | 232,522,000 |
| Allowance for loan losses | 2,332,000 | 2,312,000 | 2,428,000 | 2,460,000 |
| Securities available for sale | 109,529,000 | 107,704,000 | 110,643,000 | 106,664,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,692,000 | 328,819,000 | 334,831,000 | 333,313,000 |
| Interest-bearing deposits | 258,746,000 | 276,602,000 | 283,182,000 | 274,764,000 |
| Noninterest-bearing deposits | 55,946,000 | 52,217,000 | 51,649,000 | 58,549,000 |
| Equity capital | 24,953,000 | 25,690,000 | 29,011,000 | 26,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,919,000 | 8,045,000 | 12,479,000 | 17,071,000 |
| Interest expense | 1,952,000 | 4,051,000 | 6,374,000 | 8,612,000 |
| Net interest income | 1,967,000 | 3,994,000 | 6,105,000 | 8,459,000 |
| Noninterest income | 690,000 | 1,536,000 | 2,334,000 | 3,106,000 |
| Noninterest expense | 2,422,000 | 4,629,000 | 7,020,000 | 9,285,000 |
| Provision for loan losses | 0 | -24,000 | 66,000 | 156,000 |
| Pretax income | 240,000 | 816,000 | 1,244,000 | 1,795,000 |
| Income tax | -31,000 | 4,000 | 39,000 | 66,000 |
| Net income | 271,000 | 812,000 | 1,205,000 | 1,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,052,000 | 35,454,000 | 35,693,000 | 36,217,000 |