Call reports 2005
OLD SECOND BANK-YORKVILLE — 2005
What OLD SECOND BANK-YORKVILLE 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 | 365,697,000 | 380,335,000 | 406,127,000 | 373,571,000 |
| Total loans | 282,058,000 | 292,502,000 | 287,568,000 | 287,190,000 |
| Allowance for loan losses | 2,619,000 | 2,514,000 | 2,705,000 | 3,241,000 |
| Securities available for sale | 63,159,000 | 59,401,000 | 93,745,000 | 63,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,886,000 | 321,944,000 | 312,860,000 | 314,603,000 |
| Interest-bearing deposits | 263,151,000 | 285,666,000 | 277,140,000 | 277,134,000 |
| Noninterest-bearing deposits | 33,735,000 | 36,279,000 | 35,720,000 | 37,469,000 |
| Equity capital | 27,701,000 | 28,988,000 | 29,858,000 | 30,618,000 |
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 | 4,723,000 | 9,790,000 | 15,158,000 | 20,531,000 |
| Interest expense | 1,581,000 | 3,407,000 | 5,489,000 | 7,690,000 |
| Net interest income | 3,142,000 | 6,383,000 | 9,669,000 | 12,841,000 |
| Noninterest income | 441,000 | 970,000 | 1,537,000 | 2,071,000 |
| Noninterest expense | 2,041,000 | 4,113,000 | 5,963,000 | 7,830,000 |
| Provision for loan losses | 0 | 250,000 | 550,000 | 1,100,000 |
| Pretax income | 1,542,000 | 2,990,000 | 4,693,000 | 5,982,000 |
| Income tax | 500,000 | 960,000 | 1,524,000 | 1,920,000 |
| Net income | 1,042,000 | 2,030,000 | 3,169,000 | 4,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,512,000 | 28,590,000 | 29,818,000 | 30,800,000 |
| Total capital | 30,131,000 | 31,104,000 | 32,508,000 | 34,026,000 |
| Risk-weighted assets | 292,567,000 | 306,617,000 | 312,432,000 | 301,342,000 |