Call reports 2004
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2004
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 222,612,000 | 235,713,000 | 226,348,000 | 222,961,000 |
| Total loans | 118,836,000 | 118,620,000 | 112,792,000 | 118,153,000 |
| Allowance for loan losses | 1,772,000 | 1,803,000 | 1,814,000 | 1,827,000 |
| Securities available for sale | 88,023,000 | 93,527,000 | 86,766,000 | 85,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 441,000 | 438,000 | 448,000 | 518,000 |
| Total deposits | 194,415,000 | 212,143,000 | 200,626,000 | 198,339,000 |
| Interest-bearing deposits | 175,855,000 | 188,654,000 | 178,778,000 | 177,161,000 |
| Noninterest-bearing deposits | 18,560,000 | 23,489,000 | 21,848,000 | 21,178,000 |
| Equity capital | 23,124,000 | 21,447,000 | 22,548,000 | 22,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,135,000 | 7,723,000 | 10,433,000 |
| Interest expense | 808,000 | 1,624,000 | 2,541,000 | 3,490,000 |
| Net interest income | 1,772,000 | 3,511,000 | 5,182,000 | 6,943,000 |
| Noninterest income | 945,000 | 1,976,000 | 2,912,000 | 3,863,000 |
| Noninterest expense | 1,932,000 | 3,883,000 | 5,902,000 | 7,934,000 |
| Provision for loan losses | 75,000 | 105,000 | 135,000 | 165,000 |
| Pretax income | 710,000 | 1,499,000 | 2,057,000 | 2,707,000 |
| Income tax | 213,000 | 454,000 | 609,000 | 778,000 |
| Net income | 497,000 | 1,045,000 | 1,448,000 | 1,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,877,000 | 21,162,000 | 21,328,000 | 21,309,000 |
| Total capital | 22,655,000 | 22,965,000 | 23,145,000 | 23,137,000 |
| Risk-weighted assets | 165,818,000 | 165,370,000 | 153,543,000 | 159,965,000 |