Byron Bank in Byron, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Byron Bank - Overview

  • General
  • FDIC Certificate #: 902
    Status: Active
    Federal Reserve ID: 325534
    Bank Holding Company (Regulatory Top Holder): Byron Bancshares, Inc. (RSSDID: 1203107, Location: Byron, IL)
    Date Established: July 01, 1932
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13272
    FDIC's unique #: 580
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 North Walnut, Byron, IL 61010
    County: Ogle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rochelle, IL (#40300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $223.5 mil
    Equity capital: $22.2 mil
    Deposits held in domestic offices: $200.8 mil
    Return on assets (ROA): 0.58% ($1.3 mil)
    Quarterly return on assets: 1.07% ($2.4 mil)
    Return on Equity (ROE): 6.31% ($1.4 mil)
    Quarterly return on equity: 11.24% ($2.5 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.59% ($1,318.4 mil)
    Quarterly Pretax return on assets: 1.08% ($2,413.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 61Total employees (full-time equivalent)
  • $223,459Total assets
  • $16,211Cash and due from depository institutions
  • $13,269Interest-bearing balances
  • $63,955Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $132,451Net loans & leases
  • $2,039Loan loss allowance
  • $0Trading account assets
  • $4,178Bank premises and fixed assets
  • $242Other real estate owned
  • $1,408Goodwill and other intangibles
  • $223,459Life insurance assets
  • $5,014All other assets
  • $201,296Total liabilities and capital
  • $200,845Total liabilities
  • $178,057Total deposits
  • $200,845Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $451Subordinated debt
  • $22,163All other liabilities
  • $22,163Total equity capital
  • $22,163Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,575Surplus
  • $19,288Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,711Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,812Income earned, not collected on loans
  • $0Earning assets
  • $854Long-term assets (5+ years)
  • $209,675Average Assets, year-to-date
  • $35,998Average Assets, quarterly
  • $222,783Volatile liabilities
  • $225,789Insider loans
  • $139,461FHLB advances
  • $226,037Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,427Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,208Restructured Loans and leases
  • $916Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,630Total interest income
  • $2,174Total interest expense
  • $7,456Net interest income
  • $3,155Provision for loan and lease losses
  • $2,138Total noninterest income
  • $0Fiduciary activities
  • $225Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,913Additional noninterest income
  • $5,494Total noninterest expense
  • $2,928Salaries and employee benefits
  • $923Premises and equipment expense
  • $1,643Additional noninterest expense
  • $945Pre-tax net operating income
  • $364Securities gains (losses)
  • $18Applicable income taxes
  • $1,291Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,291Net income attributable to bank
  • $0Net charge-offs
  • $1,291Cash dividends
  • $2,635Sale, conversion, retirement of capital stock, net
  • $1,110Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.58%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 6.31%Return on equity (ROE)
  • 0.88%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 119.73%Credit loss provision to net charge-offs
  • 1.56%Efficiency ratio
  • 57,265Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.98%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 53.49%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 2.83%Net loans and leases to deposits
  • 65.95%Net loans and leases to core deposits
  • 76.38%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 8.59%Tier 1 risk-based capital ratio
  • 13.93%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $222,783Average earning assets
  • $20,455Average equity
  • $208,312Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0580Byron Bank200 North Walnut, Byron, IL 61010July 01, 1932Full Service Brick and Mortar
    1186599Blackhawk Street Facility201 West Blackhawk Street, Byron, IL 61010September 27, 1982Full Service Retail
    2446837Poplar Grove Branch11159 Highway 76, Poplar Grove, IL 61065January 03, 2006Full Service Brick and Mortar
    3464084Messenger Service200 North Walnut, Byron, IL 61010May 17, 2007Limited Service Messenger
    4480046Davis Junction Branch5653 N. Junction Way, Davis Junction, IL 61020September 10, 2007Full Service Brick and Mortar

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