Call reports 2002
OLD SECOND BANK-KANE COUNTY — 2002
What OLD SECOND BANK-KANE COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 202,666,000 | 237,247,000 | 245,611,000 | 243,238,000 |
| Total loans | 144,574,000 | 148,005,000 | 159,213,000 | 164,259,000 |
| Allowance for loan losses | 2,115,000 | 2,234,000 | 2,329,000 | 2,403,000 |
| Securities available for sale | 43,867,000 | 47,542,000 | 60,405,000 | 61,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,065,000 | 217,771,000 | 225,280,000 | 222,623,000 |
| Interest-bearing deposits | 164,320,000 | 194,244,000 | 206,778,000 | 198,480,000 |
| Noninterest-bearing deposits | 18,745,000 | 23,527,000 | 18,503,000 | 24,143,000 |
| Equity capital | 17,849,000 | 18,317,000 | 18,760,000 | 18,956,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,081,000 | 6,247,000 | 9,661,000 | 12,974,000 |
| Interest expense | 1,150,000 | 2,375,000 | 3,789,000 | 5,047,000 |
| Net interest income | 1,931,000 | 3,872,000 | 5,872,000 | 7,927,000 |
| Noninterest income | 253,000 | 572,000 | 887,000 | 1,237,000 |
| Noninterest expense | 1,190,000 | 2,441,000 | 3,741,000 | 5,054,000 |
| Provision for loan losses | 120,000 | 240,000 | 340,000 | 550,000 |
| Pretax income | 876,000 | 1,796,000 | 2,711,000 | 3,595,000 |
| Income tax | 288,000 | 595,000 | 900,000 | 1,197,000 |
| Net income | 588,000 | 1,201,000 | 1,811,000 | 2,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,255,000 | 15,491,000 | 15,811,000 | 16,074,000 |
| Total capital | 17,195,000 | 17,571,000 | 18,033,000 | 18,311,000 |
| Risk-weighted assets | 155,058,000 | 166,208,000 | 177,727,000 | 178,845,000 |