Call reports 2005
BYLINE BANK — 2005
What BYLINE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 420,773,000 | 427,957,000 | 454,530,000 | 462,422,000 |
| Total loans | 318,319,000 | 312,717,000 | 313,850,000 | 327,214,000 |
| Allowance for loan losses | 4,706,000 | 4,782,000 | 4,805,000 | 4,873,000 |
| Securities available for sale | 431,000 | 437,000 | 429,000 | 425,000 |
| Securities held to maturity | 55,267,000 | 71,127,000 | 89,309,000 | 87,878,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 365,695,000 | 371,261,000 | 395,323,000 | 402,859,000 |
| Interest-bearing deposits | 237,555,000 | 238,291,000 | 259,958,000 | 264,249,000 |
| Noninterest-bearing deposits | 128,140,000 | 132,970,000 | 135,365,000 | 138,610,000 |
| Equity capital | 36,296,000 | 38,131,000 | 39,991,000 | 41,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,655,000 | 14,305,000 | 21,948,000 | 30,026,000 |
| Interest expense | 1,127,000 | 2,412,000 | 3,994,000 | 5,900,000 |
| Net interest income | 5,528,000 | 11,893,000 | 17,954,000 | 24,126,000 |
| Noninterest income | 1,920,000 | 3,954,000 | 5,846,000 | 7,538,000 |
| Noninterest expense | 4,293,000 | 9,752,000 | 14,752,000 | 19,506,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 3,085,000 | 5,951,000 | 8,829,000 | 11,868,000 |
| Income tax | 1,114,000 | 2,146,000 | 3,157,000 | 4,241,000 |
| Net income | 1,971,000 | 3,805,000 | 5,672,000 | 7,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,279,000 | 38,117,000 | 39,983,000 | 41,932,000 |
| Total capital | 40,487,000 | 42,291,000 | 44,262,000 | 46,334,000 |
| Risk-weighted assets | 336,107,000 | 333,349,000 | 341,821,000 | 351,692,000 |