Call reports 2005
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2005
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 224,544,000 | 257,465,000 | 236,594,000 | 235,258,000 |
| Total loans | 121,620,000 | 122,200,000 | 120,258,000 | 123,045,000 |
| Allowance for loan losses | 1,859,000 | 1,869,000 | 1,886,000 | 1,867,000 |
| Securities available for sale | 82,608,000 | 82,610,000 | 81,970,000 | 80,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 535,000 | 540,000 | 565,000 | 624,000 |
| Total deposits | 200,841,000 | 232,691,000 | 211,951,000 | 211,565,000 |
| Interest-bearing deposits | 177,948,000 | 198,658,000 | 186,994,000 | 187,734,000 |
| Noninterest-bearing deposits | 22,893,000 | 34,033,000 | 24,957,000 | 23,831,000 |
| Equity capital | 21,348,000 | 22,049,000 | 22,040,000 | 20,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,705,000 | 5,562,000 | 8,580,000 | 11,639,000 |
| Interest expense | 973,000 | 2,040,000 | 3,275,000 | 4,591,000 |
| Net interest income | 1,732,000 | 3,522,000 | 5,305,000 | 7,048,000 |
| Noninterest income | 969,000 | 2,004,000 | 3,104,000 | 4,210,000 |
| Noninterest expense | 1,995,000 | 4,068,000 | 6,198,000 | 8,323,000 |
| Provision for loan losses | 30,000 | 40,000 | 60,000 | 90,000 |
| Pretax income | 676,000 | 1,418,000 | 2,151,000 | 2,845,000 |
| Income tax | 188,000 | 394,000 | 605,000 | 783,000 |
| Net income | 488,000 | 1,024,000 | 1,546,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,537,000 | 21,833,000 | 22,097,000 | 21,557,000 |
| Total capital | 23,396,000 | 23,707,000 | 23,983,000 | 23,424,000 |
| Risk-weighted assets | 160,069,000 | 165,655,000 | 160,954,000 | 163,864,000 |