Call reports 2003
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2003
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 221,744,000 | 244,903,000 | 246,338,000 | 229,637,000 |
| Total loans | 124,412,000 | 126,281,000 | 124,268,000 | 119,295,000 |
| Allowance for loan losses | 1,574,000 | 1,639,000 | 1,690,000 | 1,705,000 |
| Securities available for sale | 75,731,000 | 76,466,000 | 79,931,000 | 88,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 294,000 | 316,000 | 335,000 | 415,000 |
| Total deposits | 193,587,000 | 217,402,000 | 220,680,000 | 204,749,000 |
| Interest-bearing deposits | 177,402,000 | 194,768,000 | 192,946,000 | 183,823,000 |
| Noninterest-bearing deposits | 16,185,000 | 22,634,000 | 27,734,000 | 20,926,000 |
| Equity capital | 22,548,000 | 23,289,000 | 22,430,000 | 22,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,912,000 | 5,795,000 | 8,555,000 | 11,284,000 |
| Interest expense | 1,052,000 | 2,057,000 | 3,002,000 | 3,889,000 |
| Net interest income | 1,860,000 | 3,738,000 | 5,553,000 | 7,395,000 |
| Noninterest income | 784,000 | 1,670,000 | 2,513,000 | 3,391,000 |
| Noninterest expense | 1,934,000 | 3,948,000 | 5,966,000 | 7,981,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 643,000 | 1,341,000 | 1,925,000 | 2,555,000 |
| Income tax | 190,000 | 399,000 | 565,000 | 753,000 |
| Net income | 453,000 | 942,000 | 1,360,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,531,000 | 20,520,000 | 20,685,000 | 20,630,000 |
| Total capital | 22,107,000 | 22,159,000 | 22,375,000 | 22,335,000 |
| Risk-weighted assets | 165,034,000 | 174,089,000 | 179,982,000 | 168,558,000 |