Call reports 2017
BYRON STATE BANK — 2017
What BYRON STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 |
|---|---|---|
| Total assets | 45,790,000 | 43,636,000 |
| Total loans | 33,755,000 | 36,982,000 |
| Allowance for loan losses | 401,000 | 422,000 |
| Securities available for sale | 358,000 | 416,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 39,882,000 | 36,486,000 |
| Interest-bearing deposits | 34,812,000 | 32,888,000 |
| Noninterest-bearing deposits | 5,070,000 | 3,598,000 |
| Equity capital | 5,654,000 | 5,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 |
|---|---|---|
| Interest income | 425,000 | 870,000 |
| Interest expense | 68,000 | 138,000 |
| Net interest income | 357,000 | 732,000 |
| Noninterest income | 13,000 | 27,000 |
| Noninterest expense | 152,000 | 343,000 |
| Provision for loan losses | 15,000 | 32,000 |
| Pretax income | 203,000 | 384,000 |
| Income tax | 74,000 | 129,000 |
| Net income | 129,000 | 255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 |
|---|---|---|
| Tier 1 capital | 5,654,000 | 5,780,000 |
| Total capital | 6,055,000 | 6,202,000 |
| Risk-weighted assets | 36,261,000 | 38,221,000 |