Call reports 2004
BYRON STATE BANK — 2004
What BYRON STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 25,622,000 | 24,728,000 | 25,467,000 | 25,338,000 |
| Total loans | 15,688,000 | 16,506,000 | 17,647,000 | 17,749,000 |
| Allowance for loan losses | 208,000 | 214,000 | 220,000 | 227,000 |
| Securities available for sale | 1,892,000 | 1,856,000 | 1,820,000 | 1,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,592,000 | 21,633,000 | 22,171,000 | 21,994,000 |
| Interest-bearing deposits | 20,957,000 | 20,351,000 | 21,089,000 | 20,726,000 |
| Noninterest-bearing deposits | 1,635,000 | 1,282,000 | 1,082,000 | 1,268,000 |
| Equity capital | 2,882,000 | 2,967,000 | 3,105,000 | 2,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 658,000 | 999,000 | 1,346,000 |
| Interest expense | 132,000 | 254,000 | 377,000 | 502,000 |
| Net interest income | 198,000 | 404,000 | 622,000 | 844,000 |
| Noninterest income | 15,000 | 32,000 | 49,000 | 66,000 |
| Noninterest expense | 98,000 | 187,000 | 268,000 | 595,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 249,000 | 403,000 | 315,000 |
| Income tax | -12,000 | 14,000 | 40,000 | 70,000 |
| Net income | 127,000 | 235,000 | 363,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,870,000 | 2,978,000 | 3,106,000 | 2,967,000 |
| Total capital | 3,078,000 | 3,192,000 | 3,326,000 | 3,194,000 |
| Risk-weighted assets | 17,303,000 | 17,716,000 | 18,742,000 | 18,699,000 |