Call reports 2007
BYLINE BANK — 2007
What BYLINE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 536,007,000 | 558,365,000 | 515,059,000 | 497,546,000 |
| Total loans | 359,646,000 | 360,378,000 | 366,464,000 | 366,797,000 |
| Allowance for loan losses | 5,172,000 | 5,247,000 | 5,316,000 | 4,777,000 |
| Securities available for sale | 425,000 | 418,000 | 422,000 | 427,000 |
| Securities held to maturity | 86,751,000 | 86,217,000 | 86,104,000 | 72,009,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 480,334,000 | 500,079,000 | 469,337,000 | 454,130,000 |
| Interest-bearing deposits | 356,630,000 | 366,092,000 | 342,060,000 | 325,074,000 |
| Noninterest-bearing deposits | 123,704,000 | 133,987,000 | 127,276,000 | 129,057,000 |
| Equity capital | 52,041,000 | 54,023,000 | 39,715,000 | 40,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,830,000 | 19,624,000 | 29,642,000 | 39,140,000 |
| Interest expense | 3,621,000 | 7,264,000 | 10,595,000 | 13,223,000 |
| Net interest income | 6,209,000 | 12,360,000 | 19,047,000 | 25,917,000 |
| Noninterest income | 1,998,000 | 4,143,000 | 6,131,000 | 8,126,000 |
| Noninterest expense | 4,990,000 | 10,135,000 | 15,286,000 | 20,129,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 3,142,000 | 6,231,000 | 9,681,000 | 13,647,000 |
| Income tax | 1,140,000 | 2,240,000 | 3,500,000 | 4,945,000 |
| Net income | 2,002,000 | 3,991,000 | 6,181,000 | 8,702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,041,000 | 54,023,000 | 39,715,000 | 40,238,000 |
| Total capital | 56,990,000 | 58,522,000 | 44,677,000 | 44,522,000 |
| Risk-weighted assets | 398,971,000 | 359,158,000 | 396,590,000 | 348,202,000 |