Call reports 2006
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2006
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 235,168,000 | 255,358,000 | 247,181,000 | 224,865,000 |
| Total loans | 120,574,000 | 117,416,000 | 117,309,000 | 117,662,000 |
| Allowance for loan losses | 1,886,000 | 1,864,000 | 1,883,000 | 1,855,000 |
| Securities available for sale | 80,061,000 | 78,910,000 | 78,599,000 | 80,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 623,000 | 631,000 | 648,000 | 736,000 |
| Total deposits | 212,403,000 | 232,324,000 | 222,105,000 | 198,387,000 |
| Interest-bearing deposits | 188,321,000 | 207,183,000 | 194,823,000 | 173,881,000 |
| Noninterest-bearing deposits | 24,082,000 | 25,141,000 | 27,282,000 | 24,506,000 |
| Equity capital | 20,443,000 | 20,376,000 | 21,623,000 | 22,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,101,000 | 6,337,000 | 9,759,000 | 13,062,000 |
| Interest expense | 1,409,000 | 2,896,000 | 4,608,000 | 6,262,000 |
| Net interest income | 1,692,000 | 3,441,000 | 5,151,000 | 6,800,000 |
| Noninterest income | 1,105,000 | 2,270,000 | 3,445,000 | 4,610,000 |
| Noninterest expense | 2,165,000 | 4,362,000 | 6,530,000 | 8,748,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 100,000 |
| Pretax income | 601,000 | 1,288,000 | 1,956,000 | 2,542,000 |
| Income tax | 142,000 | 142,000 | 154,000 | 154,000 |
| Net income | 459,000 | 1,146,000 | 1,802,000 | 2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,762,000 | 22,287,000 | 22,751,000 | 23,162,000 |
| Total capital | 23,648,000 | 24,151,000 | 24,634,000 | 25,017,000 |
| Risk-weighted assets | 164,653,000 | 167,111,000 | 164,535,000 | 159,767,000 |