Call reports 2005
BYRON STATE BANK — 2005
What BYRON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,944,000 | 26,178,000 | 25,521,000 | 25,314,000 |
| Total loans | 16,181,000 | 17,565,000 | 17,812,000 | 17,107,000 |
| Allowance for loan losses | 222,000 | 228,000 | 211,000 | 218,000 |
| Securities available for sale | 2,039,000 | 2,050,000 | 2,033,000 | 2,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,726,000 | 22,832,000 | 22,127,000 | 21,933,000 |
| Interest-bearing deposits | 21,249,000 | 21,103,000 | 20,410,000 | 20,550,000 |
| Noninterest-bearing deposits | 1,477,000 | 1,729,000 | 1,717,000 | 1,383,000 |
| Equity capital | 3,031,000 | 3,159,000 | 3,160,000 | 3,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 334,000 | 696,000 | 1,071,000 | 1,440,000 |
| Interest expense | 149,000 | 292,000 | 447,000 | 601,000 |
| Net interest income | 185,000 | 404,000 | 624,000 | 839,000 |
| Noninterest income | 17,000 | 34,000 | 52,000 | 67,000 |
| Noninterest expense | 96,000 | 184,000 | 287,000 | 524,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 106,000 | 254,000 | 364,000 | 357,000 |
| Income tax | 28,000 | 56,000 | 84,000 | 125,000 |
| Net income | 78,000 | 198,000 | 280,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,045,000 | 3,165,000 | 3,177,000 | 3,129,000 |
| Total capital | 3,265,000 | 3,393,000 | 3,388,000 | 3,347,000 |
| Risk-weighted assets | 17,637,000 | 18,711,000 | 18,840,000 | 18,504,000 |