Call reports 2009
BYLINE BANK — 2009
What BYLINE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 490,641,000 | 539,542,000 | 547,170,000 | 542,091,000 |
| Total loans | 382,312,000 | 391,227,000 | 395,844,000 | 393,047,000 |
| Allowance for loan losses | 4,683,000 | 5,569,000 | 5,666,000 | 3,821,000 |
| Securities available for sale | 7,015,000 | 9,616,000 | 9,600,000 | 9,999,000 |
| Securities held to maturity | 63,074,000 | 61,501,000 | 62,137,000 | 51,650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,247,000 | 495,142,000 | 483,099,000 | 438,208,000 |
| Interest-bearing deposits | 323,311,000 | 336,247,000 | 309,552,000 | 280,017,000 |
| Noninterest-bearing deposits | 125,936,000 | 158,895,000 | 173,546,000 | 158,191,000 |
| Equity capital | 39,431,000 | 42,449,000 | 44,930,000 | 47,012,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,638,000 | 14,904,000 | 22,279,000 | 29,081,000 |
| Interest expense | 1,465,000 | 2,896,000 | 4,281,000 | 5,336,000 |
| Net interest income | 6,173,000 | 12,008,000 | 17,998,000 | 23,745,000 |
| Noninterest income | 1,857,000 | 3,464,000 | 5,305,000 | 6,966,000 |
| Noninterest expense | 4,393,000 | 8,498,000 | 12,869,000 | 16,951,000 |
| Provision for loan losses | 375,000 | 1,582,000 | 2,032,000 | 3,232,000 |
| Pretax income | 1,521,000 | 3,668,000 | 6,518,000 | 8,656,000 |
| Income tax | 468,000 | 1,164,000 | 2,149,000 | 2,798,000 |
| Net income | 1,053,000 | 2,504,000 | 4,369,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,431,000 | 42,452,000 | 44,927,000 | 46,851,000 |
| Total capital | 43,830,000 | 47,491,000 | 50,141,000 | 50,792,000 |
| Risk-weighted assets | 351,657,000 | 402,589,000 | 416,786,000 | 408,166,000 |