Call reports 2016
BYRON STATE BANK — 2016
What BYRON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,412,000 | 42,808,000 | 43,871,000 | 44,482,000 |
| Total loans | 36,444,000 | 37,245,000 | 38,875,000 | 36,389,000 |
| Allowance for loan losses | 383,000 | 399,000 | 421,000 | 388,000 |
| Securities available for sale | 276,000 | 278,000 | 241,000 | 298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,853,000 | 37,083,000 | 36,771,000 | 38,760,000 |
| Interest-bearing deposits | 34,056,000 | 33,002,000 | 32,733,000 | 33,665,000 |
| Noninterest-bearing deposits | 4,797,000 | 4,081,000 | 4,038,000 | 5,095,000 |
| Equity capital | 5,265,000 | 5,446,000 | 5,657,000 | 5,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 457,000 | 910,000 | 1,389,000 | 1,832,000 |
| Interest expense | 63,000 | 126,000 | 191,000 | 257,000 |
| Net interest income | 394,000 | 784,000 | 1,198,000 | 1,575,000 |
| Noninterest income | 15,000 | 30,000 | 50,000 | 69,000 |
| Noninterest expense | 131,000 | 264,000 | 396,000 | 716,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 65,000 |
| Pretax income | 263,000 | 520,000 | 803,000 | 864,000 |
| Income tax | 68,000 | 145,000 | 217,000 | 305,000 |
| Net income | 195,000 | 375,000 | 586,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,266,000 | 5,446,000 | 5,657,000 | 5,525,000 |
| Total capital | 5,649,000 | 5,845,000 | 6,078,000 | 5,913,000 |
| Risk-weighted assets | 38,449,000 | 38,550,000 | 40,229,000 | 39,649,000 |