Call reports 2013
BYRON STATE BANK — 2013
What BYRON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,741,000 | 43,667,000 | 44,423,000 | 44,186,000 |
| Total loans | 26,036,000 | 29,449,000 | 31,269,000 | 31,308,000 |
| Allowance for loan losses | 243,000 | 249,000 | 221,000 | 256,000 |
| Securities available for sale | 5,232,000 | 3,523,000 | 3,473,000 | 3,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,480,000 | 39,247,000 | 38,539,000 | 39,728,000 |
| Interest-bearing deposits | 35,685,000 | 34,913,000 | 33,532,000 | 33,557,000 |
| Noninterest-bearing deposits | 4,795,000 | 4,334,000 | 5,007,000 | 6,171,000 |
| Equity capital | 4,011,000 | 4,106,000 | 4,271,000 | 4,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 402,000 | 818,000 | 1,262,000 | 1,694,000 |
| Interest expense | 78,000 | 153,000 | 220,000 | 285,000 |
| Net interest income | 324,000 | 665,000 | 1,042,000 | 1,409,000 |
| Noninterest income | 17,000 | 38,000 | 62,000 | 85,000 |
| Noninterest expense | 129,000 | 261,000 | 398,000 | 710,000 |
| Provision for loan losses | 60,000 | 90,000 | 125,000 | 160,000 |
| Pretax income | 152,000 | 352,000 | 581,000 | 624,000 |
| Income tax | 55,000 | 104,000 | 137,000 | 206,000 |
| Net income | 97,000 | 248,000 | 444,000 | 418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,010,000 | 4,141,000 | 4,345,000 | 4,315,000 |
| Total capital | 4,253,000 | 4,390,000 | 4,566,000 | 4,571,000 |
| Risk-weighted assets | 29,273,000 | 32,536,000 | 33,693,000 | 33,980,000 |