Call reports 2004
BYLINE BANK — 2004
What BYLINE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 380,003,000 | 387,198,000 | 402,600,000 | 405,731,000 |
| Total loans | 263,503,000 | 278,205,000 | 304,336,000 | 311,235,000 |
| Allowance for loan losses | 4,482,000 | 4,586,000 | 4,663,000 | 4,630,000 |
| Securities available for sale | 0 | 100,000 | 102,000 | 437,000 |
| Securities held to maturity | 62,883,000 | 66,741,000 | 65,291,000 | 55,780,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,483,000 | 354,065,000 | 363,390,000 | 353,830,000 |
| Interest-bearing deposits | 214,639,000 | 222,597,000 | 224,009,000 | 230,571,000 |
| Noninterest-bearing deposits | 133,844,000 | 131,468,000 | 139,381,000 | 123,258,000 |
| Equity capital | 28,750,000 | 30,669,000 | 32,491,000 | 34,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,782,000 | 12,027,000 | 18,316,000 | 24,861,000 |
| Interest expense | 628,000 | 1,268,000 | 2,002,000 | 2,961,000 |
| Net interest income | 5,154,000 | 10,759,000 | 16,314,000 | 21,900,000 |
| Noninterest income | 1,995,000 | 4,063,000 | 6,034,000 | 8,054,000 |
| Noninterest expense | 4,123,000 | 8,717,000 | 13,351,000 | 18,071,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 400,000 |
| Pretax income | 2,890,000 | 5,879,000 | 8,697,000 | 11,517,000 |
| Income tax | 964,000 | 2,028,000 | 3,019,000 | 3,990,000 |
| Net income | 1,926,000 | 3,851,000 | 5,678,000 | 7,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,712,000 | 30,637,000 | 32,464,000 | 34,312,000 |
| Total capital | 32,268,000 | 34,338,000 | 36,463,000 | 38,397,000 |
| Risk-weighted assets | 283,582,000 | 295,182,000 | 319,161,000 | 326,233,000 |