Call reports 2025
BYRON BANK — 2025
What BYRON BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 363,477,000 | 370,745,000 | 371,431,000 | 360,089,000 |
| Total loans | 228,536,000 | 239,247,000 | 241,621,000 | 247,499,000 |
| Allowance for loan losses | 2,537,000 | 2,321,000 | 2,422,000 | 2,477,000 |
| Securities available for sale | 108,423,000 | 106,827,000 | 106,338,000 | 104,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,006,000 | 332,837,000 | 335,531,000 | 323,856,000 |
| Interest-bearing deposits | 269,423,000 | 277,995,000 | 280,272,000 | 264,991,000 |
| Noninterest-bearing deposits | 62,583,000 | 54,842,000 | 55,259,000 | 58,865,000 |
| Equity capital | 28,885,000 | 29,420,000 | 29,011,000 | 29,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,510,000 | 9,208,000 | 14,038,000 | 18,941,000 |
| Interest expense | 1,990,000 | 3,888,000 | 5,900,000 | 7,867,000 |
| Net interest income | 2,520,000 | 5,320,000 | 8,138,000 | 11,074,000 |
| Noninterest income | 707,000 | 1,425,000 | 2,221,000 | 3,034,000 |
| Noninterest expense | 2,366,000 | 4,546,000 | 6,915,000 | 9,370,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 801,000 | 2,079,000 | 3,264,000 | 4,498,000 |
| Income tax | 33,000 | 83,000 | 163,000 | 206,000 |
| Net income | 768,000 | 1,996,000 | 3,101,000 | 4,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,984,000 | 37,869,000 | 35,036,000 | 35,342,000 |