Call reports 2004
FIRST NATIONAL BANK OF SYCAMORE, THE — 2004
What FIRST NATIONAL BANK OF SYCAMORE, 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 | 80,028,000 | 78,214,000 | 78,959,000 | 79,319,000 |
| Total loans | 42,216,000 | 42,466,000 | 43,972,000 | 43,154,000 |
| Allowance for loan losses | 574,000 | 590,000 | 562,000 | 558,000 |
| Securities available for sale | 32,909,000 | 31,644,000 | 30,533,000 | 31,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,901,000 | 63,947,000 | 63,826,000 | 65,496,000 |
| Interest-bearing deposits | 59,418,000 | 58,745,000 | 58,457,000 | 59,216,000 |
| Noninterest-bearing deposits | 5,483,000 | 5,202,000 | 5,369,000 | 6,280,000 |
| Equity capital | 10,352,000 | 10,055,000 | 10,644,000 | 10,441,000 |
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 | 949,000 | 1,888,000 | 2,839,000 | 3,793,000 |
| Interest expense | 249,000 | 490,000 | 728,000 | 975,000 |
| Net interest income | 700,000 | 1,398,000 | 2,111,000 | 2,818,000 |
| Noninterest income | 59,000 | 120,000 | 186,000 | 246,000 |
| Noninterest expense | 527,000 | 1,017,000 | 1,498,000 | 2,016,000 |
| Provision for loan losses | 30,000 | 0 | 0 | 0 |
| Pretax income | 202,000 | 501,000 | 811,000 | 1,077,000 |
| Income tax | 22,000 | 71,000 | 121,000 | 152,000 |
| Net income | 180,000 | 430,000 | 690,000 | 925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,176,000 | 8,355,000 | 8,695,000 | 8,618,000 |
| Total capital | 8,720,000 | 8,884,000 | 9,245,000 | 9,152,000 |
| Risk-weighted assets | 43,486,000 | 42,324,000 | 43,743,000 | 42,713,000 |