Call reports 2007
BYRON STATE BANK — 2007
What BYRON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,482,000 | 26,008,000 | 26,763,000 | 28,281,000 |
| Total loans | 18,281,000 | 18,772,000 | 20,300,000 | 20,875,000 |
| Allowance for loan losses | 249,000 | 260,000 | 250,000 | 256,000 |
| Securities available for sale | 1,770,000 | 1,670,000 | 1,185,000 | 1,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,827,000 | 22,305,000 | 22,950,000 | 24,497,000 |
| Interest-bearing deposits | 21,034,000 | 20,729,000 | 21,065,000 | 21,458,000 |
| Noninterest-bearing deposits | 1,793,000 | 1,576,000 | 1,885,000 | 3,039,000 |
| Equity capital | 3,342,000 | 3,377,000 | 3,488,000 | 3,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 421,000 | 871,000 | 1,317,000 | 1,793,000 |
| Interest expense | 206,000 | 422,000 | 645,000 | 877,000 |
| Net interest income | 215,000 | 449,000 | 672,000 | 916,000 |
| Noninterest income | 18,000 | 40,000 | 61,000 | 78,000 |
| Noninterest expense | 97,000 | 203,000 | 310,000 | 545,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 136,000 | 276,000 | 413,000 | 439,000 |
| Income tax | 35,000 | 71,000 | 106,000 | 156,000 |
| Net income | 101,000 | 205,000 | 307,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,355,000 | 3,390,000 | 3,492,000 | 3,468,000 |
| Total capital | 3,594,000 | 3,631,000 | 3,742,000 | 3,724,000 |
| Risk-weighted assets | 19,090,000 | 19,251,000 | 20,611,000 | 21,623,000 |