Call reports 2012
BYLINE BANK — 2012
What BYLINE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 951,417,000 | 910,077,000 | 884,289,000 | 829,398,000 |
| Total loans | 694,097,000 | 649,963,000 | 625,847,000 | 596,955,000 |
| Allowance for loan losses | 27,609,000 | 27,558,000 | 26,274,000 | 25,107,000 |
| Securities available for sale | 8,373,000 | 7,658,000 | 7,467,000 | 6,947,000 |
| Securities held to maturity | 21,460,000 | 20,547,000 | 20,134,000 | 17,483,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 848,699,000 | 820,429,000 | 798,622,000 | 778,962,000 |
| Interest-bearing deposits | 578,210,000 | 560,106,000 | 524,245,000 | 505,976,000 |
| Noninterest-bearing deposits | 270,489,000 | 260,322,000 | 274,377,000 | 272,986,000 |
| Equity capital | 77,624,000 | 75,450,000 | 74,428,000 | 38,245,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,938,000 | 19,526,000 | 29,408,000 | 38,139,000 |
| Interest expense | 791,000 | 1,503,000 | 2,061,000 | 2,487,000 |
| Net interest income | 9,147,000 | 18,023,000 | 27,347,000 | 35,652,000 |
| Noninterest income | 1,279,000 | 3,057,000 | 4,352,000 | 4,796,000 |
| Noninterest expense | 9,990,000 | 19,887,000 | 29,561,000 | 38,442,000 |
| Provision for loan losses | 4,500,000 | 8,387,000 | 11,212,000 | 13,933,000 |
| Pretax income | -4,056,000 | -7,184,000 | -9,065,000 | -12,041,000 |
| Income tax | -1,429,000 | -2,523,000 | -3,182,000 | 30,271,000 |
| Net income | -2,627,000 | -4,661,000 | -5,883,000 | -42,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,439,000 | 42,246,000 | 40,484,000 | 37,317,000 |
| Total capital | 53,871,000 | 50,081,000 | 48,198,000 | 44,724,000 |
| Risk-weighted assets | 639,194,000 | 600,280,000 | 581,020,000 | 555,352,000 |