Call reports 2003
BYRON STATE BANK — 2003
What BYRON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 24,284,000 | 23,899,000 | 24,516,000 | 24,927,000 |
| Total loans | 14,032,000 | 14,390,000 | 15,864,000 | 16,133,000 |
| Allowance for loan losses | 228,000 | 229,000 | 226,000 | 242,000 |
| Securities available for sale | 1,155,000 | 1,101,000 | 1,090,000 | 1,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,405,000 | 20,940,000 | 21,464,000 | 21,867,000 |
| Interest-bearing deposits | 19,975,000 | 19,704,000 | 20,289,000 | 20,444,000 |
| Noninterest-bearing deposits | 1,430,000 | 1,236,000 | 1,175,000 | 1,423,000 |
| Equity capital | 2,655,000 | 2,743,000 | 2,836,000 | 2,748,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 329,000 | 658,000 | 989,000 | 1,331,000 |
| Interest expense | 155,000 | 303,000 | 440,000 | 572,000 |
| Net interest income | 174,000 | 355,000 | 549,000 | 759,000 |
| Noninterest income | 15,000 | 34,000 | 48,000 | 65,000 |
| Noninterest expense | 100,000 | 191,000 | 273,000 | 549,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 89,000 | 198,000 | 324,000 | 265,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 89,000 |
| Net income | 62,000 | 144,000 | 243,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,649,000 | 2,731,000 | 2,830,000 | 2,743,000 |
| Total capital | 2,850,000 | 2,931,000 | 3,045,000 | 2,963,000 |
| Risk-weighted assets | 16,052,000 | 15,983,000 | 17,170,000 | 17,583,000 |