Call reports 2011
BYRON STATE BANK — 2011
What BYRON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 36,874,000 | 37,503,000 | 38,543,000 | 39,108,000 |
| Total loans | 25,585,000 | 27,427,000 | 28,513,000 | 27,653,000 |
| Allowance for loan losses | 234,000 | 289,000 | 316,000 | 216,000 |
| Securities available for sale | 1,938,000 | 1,445,000 | 948,000 | 849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,224,000 | 32,732,000 | 33,582,000 | 34,190,000 |
| Interest-bearing deposits | 29,586,000 | 29,640,000 | 30,111,000 | 31,001,000 |
| Noninterest-bearing deposits | 2,638,000 | 3,092,000 | 3,471,000 | 3,189,000 |
| Equity capital | 4,339,000 | 4,460,000 | 4,622,000 | 4,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 429,000 | 883,000 | 1,353,000 | 1,799,000 |
| Interest expense | 113,000 | 221,000 | 329,000 | 435,000 |
| Net interest income | 316,000 | 662,000 | 1,024,000 | 1,364,000 |
| Noninterest income | 22,000 | 46,000 | 69,000 | 91,000 |
| Noninterest expense | 122,000 | 261,000 | 392,000 | 689,000 |
| Provision for loan losses | 50,000 | 100,000 | 130,000 | 130,000 |
| Pretax income | 166,000 | 347,000 | 571,000 | 636,000 |
| Income tax | 63,000 | 126,000 | 188,000 | 242,000 |
| Net income | 103,000 | 221,000 | 383,000 | 394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,336,000 | 4,454,000 | 4,616,000 | 4,627,000 |
| Total capital | 4,570,000 | 4,743,000 | 4,932,000 | 4,843,000 |
| Risk-weighted assets | 27,250,000 | 28,437,000 | 29,663,000 | 29,396,000 |