Call reports 2008
BYLINE BANK — 2008
What BYLINE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 500,062,000 | 493,849,000 | 506,956,000 | 492,385,000 |
| Total loans | 372,066,000 | 361,915,000 | 389,185,000 | 383,708,000 |
| Allowance for loan losses | 4,925,000 | 4,877,000 | 4,286,000 | 4,535,000 |
| Securities available for sale | 28,277,000 | 26,831,000 | 11,299,000 | 10,938,000 |
| Securities held to maturity | 46,772,000 | 41,932,000 | 39,396,000 | 28,946,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,433,000 | 446,105,000 | 465,627,000 | 442,962,000 |
| Interest-bearing deposits | 322,621,000 | 312,728,000 | 303,610,000 | 300,745,000 |
| Noninterest-bearing deposits | 130,813,000 | 133,377,000 | 162,017,000 | 142,216,000 |
| Equity capital | 42,388,000 | 43,757,000 | 39,539,000 | 39,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,050,000 | 17,542,000 | 25,471,000 | 33,198,000 |
| Interest expense | 2,040,000 | 3,824,000 | 5,579,000 | 7,169,000 |
| Net interest income | 7,010,000 | 13,718,000 | 19,892,000 | 26,029,000 |
| Noninterest income | 1,966,000 | 3,876,000 | 6,172,000 | 7,977,000 |
| Noninterest expense | 5,336,000 | 10,492,000 | 12,673,000 | 19,996,000 |
| Provision for loan losses | 113,000 | 225,000 | 463,000 | 1,513,000 |
| Pretax income | 3,762,000 | 7,130,000 | 13,182,000 | 12,756,000 |
| Income tax | 1,267,000 | 2,423,000 | 4,649,000 | 4,353,000 |
| Net income | 2,495,000 | 4,707,000 | 8,533,000 | 8,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,735,000 | 44,928,000 | 39,547,000 | 39,200,000 |
| Total capital | 47,285,000 | 49,805,000 | 43,833,000 | 43,735,000 |
| Risk-weighted assets | 368,533,000 | 401,099,000 | 405,363,000 | 405,811,000 |