Call reports 2003
BYLINE BANK — 2003
What BYLINE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 346,463,000 | 359,667,000 | 360,336,000 | 374,747,000 |
| Total loans | 239,753,000 | 241,483,000 | 251,055,000 | 255,074,000 |
| Allowance for loan losses | 3,731,000 | 3,949,000 | 4,217,000 | 4,308,000 |
| Securities available for sale | 9,621,000 | 9,548,000 | 6,505,000 | 2,002,000 |
| Securities held to maturity | 60,427,000 | 59,476,000 | 65,193,000 | 70,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 301,075,000 | 312,063,000 | 320,804,000 | 335,130,000 |
| Interest-bearing deposits | 199,246,000 | 199,754,000 | 200,698,000 | 216,292,000 |
| Noninterest-bearing deposits | 101,829,000 | 112,309,000 | 120,106,000 | 118,838,000 |
| Equity capital | 21,402,000 | 23,404,000 | 25,179,000 | 26,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,670,000 | 11,562,000 | 17,433,000 | 23,231,000 |
| Interest expense | 787,000 | 1,563,000 | 2,225,000 | 2,871,000 |
| Net interest income | 4,883,000 | 9,999,000 | 15,208,000 | 20,360,000 |
| Noninterest income | 2,307,000 | 4,818,000 | 7,099,000 | 9,121,000 |
| Noninterest expense | 4,127,000 | 8,369,000 | 12,874,000 | 17,169,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 2,838,000 | 6,005,000 | 8,776,000 | 11,450,000 |
| Income tax | 871,000 | 1,975,000 | 2,935,000 | 3,934,000 |
| Net income | 1,967,000 | 4,030,000 | 5,841,000 | 7,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,236,000 | 23,300,000 | 25,111,000 | 26,786,000 |
| Total capital | 24,264,000 | 26,604,000 | 28,488,000 | 30,242,000 |
| Risk-weighted assets | 241,515,000 | 263,703,000 | 269,325,000 | 275,590,000 |