Call reports 2006
BYRON STATE BANK — 2006
What BYRON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 25,848,000 | 26,067,000 | 25,774,000 | 26,601,000 |
| Total loans | 16,842,000 | 17,838,000 | 18,575,000 | 17,832,000 |
| Allowance for loan losses | 226,000 | 225,000 | 248,000 | 247,000 |
| Securities available for sale | 2,177,000 | 1,920,000 | 1,832,000 | 1,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,543,000 | 22,645,000 | 22,089,000 | 23,134,000 |
| Interest-bearing deposits | 20,486,000 | 20,805,000 | 20,522,000 | 20,629,000 |
| Noninterest-bearing deposits | 2,057,000 | 1,840,000 | 1,567,000 | 2,505,000 |
| Equity capital | 3,117,000 | 3,232,000 | 3,272,000 | 3,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 772,000 | 1,181,000 | 1,599,000 |
| Interest expense | 176,000 | 353,000 | 538,000 | 732,000 |
| Net interest income | 203,000 | 419,000 | 643,000 | 867,000 |
| Noninterest income | 17,000 | 41,000 | 66,000 | 89,000 |
| Noninterest expense | 93,000 | 185,000 | 278,000 | 510,000 |
| Provision for loan losses | 10,000 | 10,000 | 40,000 | 40,000 |
| Pretax income | 117,000 | 265,000 | 391,000 | 406,000 |
| Income tax | 30,000 | 59,000 | 89,000 | 140,000 |
| Net income | 87,000 | 206,000 | 302,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,146,000 | 3,265,000 | 3,291,000 | 3,255,000 |
| Total capital | 3,372,000 | 3,490,000 | 3,532,000 | 3,488,000 |
| Risk-weighted assets | 18,252,000 | 18,779,000 | 19,262,000 | 18,627,000 |