Call reports 2007
BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE — 2007
What BELVIDERE NATIONAL BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 244,382,000 | 250,607,000 | 261,454,000 | 252,920,000 |
| Total loans | 126,836,000 | 131,819,000 | 133,239,000 | 149,835,000 |
| Allowance for loan losses | 1,882,000 | 1,900,000 | 1,916,000 | 2,074,000 |
| Securities available for sale | 78,172,000 | 98,308,000 | 96,359,000 | 86,353,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 759,000 | 805,000 | 794,000 | 864,000 |
| Total deposits | 214,057,000 | 217,439,000 | 229,651,000 | 216,586,000 |
| Interest-bearing deposits | 189,898,000 | 191,815,000 | 208,877,000 | 191,514,000 |
| Noninterest-bearing deposits | 24,159,000 | 25,624,000 | 20,774,000 | 25,072,000 |
| Equity capital | 20,758,000 | 20,604,000 | 21,669,000 | 21,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,295,000 | 6,941,000 | 10,713,000 | 14,423,000 |
| Interest expense | 1,632,000 | 3,468,000 | 5,369,000 | 7,122,000 |
| Net interest income | 1,663,000 | 3,473,000 | 5,344,000 | 7,301,000 |
| Noninterest income | 1,213,000 | 2,523,000 | 3,838,000 | 5,218,000 |
| Noninterest expense | 2,416,000 | 4,716,000 | 7,119,000 | 9,471,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 430,000 | 1,220,000 | 1,973,000 | 2,778,000 |
| Income tax | -4,000 | 9,000 | 14,000 | 20,000 |
| Net income | 434,000 | 1,211,000 | 1,959,000 | 2,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,368,000 | 21,778,000 | 21,737,000 | 21,412,000 |
| Total capital | 23,250,000 | 23,678,000 | 23,653,000 | 23,486,000 |
| Risk-weighted assets | 173,467,000 | 173,997,000 | 177,172,000 | 189,841,000 |