Call reports 2001
BYRON STATE BANK — 2001
What BYRON STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 20,558,000 | 20,518,000 | 21,283,000 | 22,277,000 |
| Total loans | 10,784,000 | 12,227,000 | 12,541,000 | 12,305,000 |
| Allowance for loan losses | 231,000 | 234,000 | 197,000 | 195,000 |
| Securities available for sale | 1,705,000 | 1,495,000 | 1,335,000 | 1,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,930,000 | 17,816,000 | 18,179,000 | 19,442,000 |
| Interest-bearing deposits | 16,853,000 | 16,624,000 | 16,916,000 | 17,836,000 |
| Noninterest-bearing deposits | 1,077,000 | 1,192,000 | 1,263,000 | 1,606,000 |
| Equity capital | 2,311,000 | 2,395,000 | 2,486,000 | 2,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 386,000 | 770,000 | 1,156,000 | 1,541,000 |
| Interest expense | 246,000 | 470,000 | 684,000 | 884,000 |
| Net interest income | 140,000 | 300,000 | 472,000 | 657,000 |
| Noninterest income | 12,000 | 24,000 | 37,000 | 55,000 |
| Noninterest expense | 76,000 | 144,000 | 222,000 | 465,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 180,000 | 287,000 | 247,000 |
| Income tax | 18,000 | 37,000 | 55,000 | 81,000 |
| Net income | 58,000 | 143,000 | 232,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,298,000 | 2,384,000 | 2,472,000 | 2,406,000 |
| Total capital | 2,461,000 | 2,561,000 | 2,649,000 | 2,585,000 |
| Risk-weighted assets | 12,936,000 | 13,773,000 | 14,136,000 | 14,305,000 |