Call reports 2010
BYRON STATE BANK — 2010
What BYRON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,897,000 | 35,122,000 | 36,223,000 | 36,231,000 |
| Total loans | 23,580,000 | 26,380,000 | 27,965,000 | 27,473,000 |
| Allowance for loan losses | 128,000 | 127,000 | 183,000 | 186,000 |
| Securities available for sale | 1,162,000 | 1,167,000 | 1,194,000 | 1,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,443,000 | 30,577,000 | 31,556,000 | 31,621,000 |
| Interest-bearing deposits | 27,949,000 | 28,525,000 | 28,811,000 | 28,843,000 |
| Noninterest-bearing deposits | 2,494,000 | 2,052,000 | 2,745,000 | 2,778,000 |
| Equity capital | 4,121,000 | 4,297,000 | 4,319,000 | 4,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 876,000 | 1,355,000 | 1,820,000 |
| Interest expense | 130,000 | 259,000 | 390,000 | 516,000 |
| Net interest income | 294,000 | 617,000 | 965,000 | 1,304,000 |
| Noninterest income | 15,000 | 39,000 | 71,000 | 91,000 |
| Noninterest expense | 113,000 | 237,000 | 382,000 | 680,000 |
| Provision for loan losses | 20,000 | 20,000 | 80,000 | 80,000 |
| Pretax income | 176,000 | 399,000 | 574,000 | 635,000 |
| Income tax | 51,000 | 101,000 | 152,000 | 221,000 |
| Net income | 125,000 | 298,000 | 422,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,118,000 | 4,291,000 | 4,310,000 | 4,303,000 |
| Total capital | 4,246,000 | 4,418,000 | 4,493,000 | 4,489,000 |
| Risk-weighted assets | 25,525,000 | 27,446,000 | 28,319,000 | 28,320,000 |