Call reports 2002
BYRON STATE BANK — 2002
What BYRON STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 22,339,000 | 22,929,000 | 24,321,000 | 23,586,000 |
| Total loans | 12,913,000 | 15,158,000 | 18,087,000 | 16,080,000 |
| Allowance for loan losses | 193,000 | 192,000 | 222,000 | 223,000 |
| Securities available for sale | 1,825,000 | 1,467,000 | 1,473,000 | 1,374,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,187,000 | 19,714,000 | 20,996,000 | 20,673,000 |
| Interest-bearing deposits | 17,903,000 | 18,696,000 | 19,655,000 | 19,402,000 |
| Noninterest-bearing deposits | 1,284,000 | 1,018,000 | 1,341,000 | 1,271,000 |
| Equity capital | 2,466,000 | 2,572,000 | 2,678,000 | 2,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 342,000 | 699,000 | 1,093,000 | 1,476,000 |
| Interest expense | 189,000 | 368,000 | 544,000 | 709,000 |
| Net interest income | 153,000 | 331,000 | 549,000 | 767,000 |
| Noninterest income | 15,000 | 31,000 | 47,000 | 64,000 |
| Noninterest expense | 79,000 | 156,000 | 240,000 | 524,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 89,000 | 206,000 | 322,000 | 273,000 |
| Income tax | 26,000 | 48,000 | 64,000 | 92,000 |
| Net income | 63,000 | 158,000 | 258,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,469,000 | 2,564,000 | 2,664,000 | 2,587,000 |
| Total capital | 2,655,000 | 2,756,000 | 2,886,000 | 2,804,000 |
| Risk-weighted assets | 14,891,000 | 16,160,000 | 18,437,000 | 17,342,000 |