Call reports 2014
BYRON STATE BANK — 2014
What BYRON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 43,761,000 | 43,728,000 | 44,572,000 | 44,830,000 |
| Total loans | 30,086,000 | 31,437,000 | 32,721,000 | 32,245,000 |
| Allowance for loan losses | 254,000 | 268,000 | 261,000 | 281,000 |
| Securities available for sale | 4,111,000 | 3,974,000 | 3,975,000 | 3,972,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,113,000 | 38,730,000 | 39,036,000 | 37,608,000 |
| Interest-bearing deposits | 33,679,000 | 33,535,000 | 33,876,000 | 33,104,000 |
| Noninterest-bearing deposits | 5,434,000 | 5,195,000 | 5,160,000 | 4,504,000 |
| Equity capital | 4,417,000 | 4,625,000 | 4,811,000 | 4,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 408,000 | 832,000 | 1,261,000 | 1,677,000 |
| Interest expense | 60,000 | 121,000 | 182,000 | 242,000 |
| Net interest income | 348,000 | 711,000 | 1,079,000 | 1,435,000 |
| Noninterest income | 21,000 | 43,000 | 62,000 | 84,000 |
| Noninterest expense | 128,000 | 285,000 | 422,000 | 743,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 70,000 |
| Pretax income | 216,000 | 444,000 | 694,000 | 706,000 |
| Income tax | 52,000 | 117,000 | 182,000 | 237,000 |
| Net income | 164,000 | 327,000 | 512,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,483,000 | 4,651,000 | 4,834,000 | 4,686,000 |
| Total capital | 4,737,000 | 4,919,000 | 5,095,000 | 4,967,000 |
| Risk-weighted assets | 32,905,000 | 33,708,000 | 35,191,000 | 35,072,000 |