Call reports 2008
BYRON STATE BANK — 2008
What BYRON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 28,747,000 | 29,080,000 | 30,091,000 | 30,840,000 |
| Total loans | 19,241,000 | 19,941,000 | 20,955,000 | 21,939,000 |
| Allowance for loan losses | 232,000 | 224,000 | 227,000 | 228,000 |
| Securities available for sale | 484,000 | 881,000 | 677,000 | 673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,952,000 | 25,201,000 | 26,053,000 | 26,049,000 |
| Interest-bearing deposits | 23,019,000 | 22,972,000 | 23,155,000 | 24,107,000 |
| Noninterest-bearing deposits | 1,933,000 | 2,229,000 | 2,898,000 | 1,942,000 |
| Equity capital | 3,513,000 | 3,624,000 | 3,758,000 | 3,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 453,000 | 898,000 | 1,355,000 | 1,829,000 |
| Interest expense | 216,000 | 417,000 | 608,000 | 789,000 |
| Net interest income | 237,000 | 481,000 | 747,000 | 1,040,000 |
| Noninterest income | 24,000 | 41,000 | 60,000 | 76,000 |
| Noninterest expense | 108,000 | 215,000 | 324,000 | 585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 153,000 | 307,000 | 483,000 | 531,000 |
| Income tax | 40,000 | 81,000 | 121,000 | 183,000 |
| Net income | 113,000 | 226,000 | 362,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,511,000 | 3,624,000 | 3,758,000 | 3,746,000 |
| Total capital | 3,743,000 | 3,848,000 | 3,985,000 | 3,974,000 |
| Risk-weighted assets | 20,564,000 | 21,488,000 | 22,379,000 | 23,297,000 |