Call reports 2003
OLD SECOND BANK-YORKVILLE — 2003
What OLD SECOND BANK-YORKVILLE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 236,810,000 | 264,065,000 | 283,196,000 | 285,551,000 |
| Total loans | 194,239,000 | 199,467,000 | 205,862,000 | 221,927,000 |
| Allowance for loan losses | 2,698,000 | 2,779,000 | 2,825,000 | 2,972,000 |
| Securities available for sale | 26,507,000 | 34,438,000 | 38,684,000 | 46,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,361,000 | 240,636,000 | 259,422,000 | 248,946,000 |
| Interest-bearing deposits | 184,307,000 | 214,214,000 | 232,812,000 | 219,697,000 |
| Noninterest-bearing deposits | 25,053,000 | 26,422,000 | 26,611,000 | 29,249,000 |
| Equity capital | 18,881,000 | 21,103,000 | 21,813,000 | 22,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,414,000 | 6,844,000 | 10,331,000 | 13,949,000 |
| Interest expense | 1,013,000 | 1,977,000 | 2,905,000 | 3,816,000 |
| Net interest income | 2,401,000 | 4,867,000 | 7,426,000 | 10,133,000 |
| Noninterest income | 367,000 | 744,000 | 1,224,000 | 1,571,000 |
| Noninterest expense | 1,639,000 | 3,288,000 | 4,949,000 | 6,694,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,027,000 | 2,116,000 | 3,397,000 | 4,602,000 |
| Income tax | 347,000 | 724,000 | 1,176,000 | 1,587,000 |
| Net income | 680,000 | 1,392,000 | 2,221,000 | 3,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,009,000 | 19,310,000 | 20,228,000 | 21,109,000 |
| Total capital | 19,429,000 | 21,836,000 | 22,873,000 | 23,956,000 |
| Risk-weighted assets | 193,313,000 | 201,808,000 | 211,408,000 | 227,594,000 |