Call reports 2015
BYRON STATE BANK — 2015
What BYRON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 43,007,000 | 44,459,000 | 46,538,000 | 46,315,000 |
| Total loans | 30,880,000 | 35,043,000 | 37,416,000 | 38,818,000 |
| Allowance for loan losses | 301,000 | 320,000 | 353,000 | 366,000 |
| Securities available for sale | 3,688,000 | 2,584,000 | 1,849,000 | 771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,886,000 | 38,943,000 | 41,076,000 | 39,480,000 |
| Interest-bearing deposits | 32,370,000 | 35,255,000 | 35,639,000 | 35,051,000 |
| Noninterest-bearing deposits | 5,516,000 | 3,688,000 | 5,437,000 | 4,429,000 |
| Equity capital | 4,844,000 | 4,998,000 | 5,188,000 | 5,067,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 397,000 | 817,000 | 1,289,000 | 1,749,000 |
| Interest expense | 57,000 | 116,000 | 179,000 | 242,000 |
| Net interest income | 340,000 | 701,000 | 1,110,000 | 1,507,000 |
| Noninterest income | 18,000 | 36,000 | 53,000 | 65,000 |
| Noninterest expense | 128,000 | 255,000 | 390,000 | 731,000 |
| Provision for loan losses | 18,000 | 38,000 | 73,000 | 83,000 |
| Pretax income | 212,000 | 444,000 | 686,000 | 744,000 |
| Income tax | 58,000 | 124,000 | 189,000 | 262,000 |
| Net income | 154,000 | 320,000 | 497,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,849,000 | 5,005,000 | 5,191,000 | 5,071,000 |
| Total capital | 5,150,000 | 5,325,000 | 5,544,000 | 5,437,000 |
| Risk-weighted assets | 33,690,000 | 36,325,000 | 38,701,000 | 40,056,000 |