Call reports 2009
BYRON STATE BANK — 2009
What BYRON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,141,000 | 33,722,000 | 34,258,000 | 33,160,000 |
| Total loans | 21,692,000 | 22,687,000 | 25,319,000 | 25,108,000 |
| Allowance for loan losses | 216,000 | 228,000 | 230,000 | 225,000 |
| Securities available for sale | 791,000 | 622,000 | 628,000 | 618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,050,000 | 29,531,000 | 29,916,000 | 28,464,000 |
| Interest-bearing deposits | 25,618,000 | 26,729,000 | 26,854,000 | 26,060,000 |
| Noninterest-bearing deposits | 2,432,000 | 2,802,000 | 3,062,000 | 2,404,000 |
| Equity capital | 3,806,000 | 3,952,000 | 4,099,000 | 3,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 443,000 | 883,000 | 1,343,000 | 1,798,000 |
| Interest expense | 165,000 | 325,000 | 479,000 | 620,000 |
| Net interest income | 278,000 | 558,000 | 864,000 | 1,178,000 |
| Noninterest income | 14,000 | 34,000 | 51,000 | 72,000 |
| Noninterest expense | 115,000 | 224,000 | 359,000 | 657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 177,000 | 368,000 | 556,000 | 593,000 |
| Income tax | 47,000 | 94,000 | 140,000 | 206,000 |
| Net income | 130,000 | 274,000 | 416,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,806,000 | 3,950,000 | 4,092,000 | 3,993,000 |
| Total capital | 4,022,000 | 4,178,000 | 4,322,000 | 4,218,000 |
| Risk-weighted assets | 23,184,000 | 24,216,000 | 26,401,000 | 26,338,000 |