Vitals
  • Total Assets
    867.7M 3.5 %
  • Total Deposits
    714.5M 3.8 %
  • Total Net Loans
    624.6M -10.2 %
  • Net Income
    2.9M 26.4 %
  • Book Value
    119.6M 75.4 %
  • Book Value x2
    239.2M 75.4 %
  • Book Value x3
    358.8M 75.4 %
ROAA

2.098

ROAE

20.186

Efficiency Ratio

64.944

Net Interest Margin

11.715

Balance Sheet Highlights
Financial Highlights Byron Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 867,680 247,218
Total Net Loans 624,628 170,532
Total Deposits 714,540 207,183
Total Equity 119,593 22,373
Profitability
Net Income 2,938 133
Return on Average Assets 2.098 .184
Return on Average Equity 20.186 .596
Net Interest Margin 11.715 3.894
Efficiency Ratio 64.944 75.739
Noninterest Income/Revenue 18.678 13.811
Balance Sheet Ratios
Loan-to-Deposit 87.417 81.661
Securities/Assets .078 .125
Total Equity/Total Assets .138 .091
Tangible Equity/Tangible Assets .081 .087
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 70,559 20,408
Tier 2 Capital 200 2,114
Total Capital 70,759 22,578
Total Risk Weighted Assets 712,175 173,201
Leverage Ratio 9.05 9.435
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.91 13.964
Total Capital Ratio 9.94 15.193

Timeline for Byron Bank

Chemical Bank

Byron Bank was acquired by Chemical Bank 13 years

View Profile Jul 24 2010

Chemical Financial Corporation

Chemical Financial Corporation became a new parent organization for Byron Bank.

View Profile May 01 2010

Byron Investment Services, Inc.

Byron Investment Services, Inc. became a new subsidiary organization for Byron Bank.

View Profile Sep 01 1996

O.A.K. Financial Corporation

O.A.K. Financial Corporation became a new parent organization for Byron Bank.

View Profile Mar 01 1989

Byron Bank

Byron Bank was established 103 years ago and is currently headquartered in Byron Center, MI.

Apr 01 1921
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Chemical Bank Buyer 9,717,567 Pooling of Interests Discontinued 7/24/2010
Relationships Role Relationship Start Relationship End
Chemical Financial Corporation Parent 5/1/2010 7/23/2010
O.A.K. Financial Corporation Parent 3/1/1989 4/30/2010
Byron Investment Services, Inc. Subsidary 6/30/2007 7/23/2010
Byron Investment Services, Inc. Subsidary 9/1/1996 6/29/2007
Similar Organizations
Organization City State Total Assets
Pacific Coast Bankers' Bank
 		Walnut Creek CA 869.3M
First Virginia Community Bank
 		Fairfax VA 837.0M
Solvay Bank
 		Solvay NY 866.2M
St. Charles Bank & Trust Company
 		Saint Charles IL 863.6M
Reliant Bank
 		Brentwood TN 919.9M
Mabrey Bank
 		Bixby OK 880.0M
Heartland Bank
 		Gahanna OH 790.2M
Salin Bank And Trust Company
 		Indianapolis IN 835.2M
The Citizens Bank
 		Batesville AR 786.6M
Auburnbank
 		Auburn AL 852.4M