Call reports 2002
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2002
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 203,786,000 | 226,583,000 | 235,639,000 | 226,983,000 |
| Total loans | 119,797,000 | 119,297,000 | 135,752,000 | 123,018,000 |
| Allowance for loan losses | 1,423,000 | 1,434,000 | 1,462,000 | 1,524,000 |
| Securities available for sale | 64,657,000 | 80,844,000 | 81,342,000 | 84,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 199,000 | 220,000 | 230,000 | 285,000 |
| Total deposits | 177,655,000 | 199,283,000 | 205,079,000 | 195,627,000 |
| Interest-bearing deposits | 162,317,000 | 176,074,000 | 185,427,000 | 177,929,000 |
| Noninterest-bearing deposits | 15,338,000 | 23,209,000 | 19,652,000 | 17,698,000 |
| Equity capital | 21,055,000 | 22,117,000 | 22,918,000 | 22,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,903,000 | 5,934,000 | 9,008,000 | 12,058,000 |
| Interest expense | 1,114,000 | 2,251,000 | 3,428,000 | 4,575,000 |
| Net interest income | 1,789,000 | 3,683,000 | 5,580,000 | 7,483,000 |
| Noninterest income | 848,000 | 1,791,000 | 2,636,000 | 3,476,000 |
| Noninterest expense | 1,907,000 | 3,862,000 | 5,868,000 | 7,991,000 |
| Provision for loan losses | 75,000 | 135,000 | 195,000 | 270,000 |
| Pretax income | 655,000 | 1,503,000 | 2,192,000 | 2,737,000 |
| Income tax | 215,000 | 462,000 | 669,000 | 821,000 |
| Net income | 440,000 | 1,041,000 | 1,523,000 | 1,916,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,427,000 | 20,778,000 | 20,760,000 | 20,328,000 |
| Total capital | 21,850,000 | 22,212,000 | 22,222,000 | 21,852,000 |
| Risk-weighted assets | 156,731,000 | 164,013,000 | 176,248,000 | 166,327,000 |