Call reports 2012
BYRON STATE BANK — 2012
What BYRON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 42,008,000 | 41,974,000 | 43,819,000 | 43,825,000 |
| Total loans | 25,658,000 | 29,001,000 | 29,150,000 | 29,891,000 |
| Allowance for loan losses | 249,000 | 259,000 | 251,000 | 192,000 |
| Securities available for sale | 2,146,000 | 2,250,000 | 2,155,000 | 3,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,972,000 | 36,899,000 | 38,497,000 | 39,285,000 |
| Interest-bearing deposits | 33,701,000 | 33,080,000 | 33,144,000 | 33,467,000 |
| Noninterest-bearing deposits | 3,271,000 | 3,819,000 | 5,353,000 | 5,818,000 |
| Equity capital | 4,682,000 | 4,812,000 | 4,998,000 | 3,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 407,000 | 843,000 | 1,296,000 | 1,743,000 |
| Interest expense | 101,000 | 200,000 | 292,000 | 381,000 |
| Net interest income | 306,000 | 643,000 | 1,004,000 | 1,362,000 |
| Noninterest income | 22,000 | 36,000 | 57,000 | 70,000 |
| Noninterest expense | 129,000 | 252,000 | 386,000 | 685,000 |
| Provision for loan losses | 80,000 | 140,000 | 140,000 | 140,000 |
| Pretax income | 119,000 | 287,000 | 535,000 | 607,000 |
| Income tax | 64,000 | 106,000 | 171,000 | 215,000 |
| Net income | 55,000 | 181,000 | 364,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,682,000 | 4,808,000 | 4,991,000 | 3,913,000 |
| Total capital | 4,931,000 | 5,067,000 | 5,242,000 | 4,105,000 |
| Risk-weighted assets | 28,245,000 | 31,044,000 | 31,385,000 | 32,328,000 |