Call reports 2003
OLD SECOND BANK-KANE COUNTY — 2003
What OLD SECOND BANK-KANE COUNTY 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 | 252,596,000 | 268,182,000 | 274,381,000 | 292,625,000 |
| Total loans | 177,618,000 | 189,870,000 | 200,723,000 | 213,151,000 |
| Allowance for loan losses | 2,554,000 | 2,653,000 | 2,803,000 | 2,809,000 |
| Securities available for sale | 55,800,000 | 48,402,000 | 44,365,000 | 59,489,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,002,000 | 244,966,000 | 250,704,000 | 255,263,000 |
| Interest-bearing deposits | 200,308,000 | 212,735,000 | 226,419,000 | 228,045,000 |
| Noninterest-bearing deposits | 21,694,000 | 32,231,000 | 24,286,000 | 27,218,000 |
| Equity capital | 19,530,000 | 21,686,000 | 22,210,000 | 22,892,000 |
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 | 3,246,000 | 6,557,000 | 9,886,000 | 13,429,000 |
| Interest expense | 1,101,000 | 2,167,000 | 3,173,000 | 4,223,000 |
| Net interest income | 2,145,000 | 4,390,000 | 6,713,000 | 9,206,000 |
| Noninterest income | 362,000 | 700,000 | 1,197,000 | 1,539,000 |
| Noninterest expense | 1,393,000 | 2,891,000 | 4,562,000 | 6,068,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 964,000 | 1,899,000 | 2,897,000 | 4,077,000 |
| Income tax | 327,000 | 642,000 | 988,000 | 1,391,000 |
| Net income | 637,000 | 1,257,000 | 1,909,000 | 2,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,711,000 | 18,831,000 | 19,484,000 | 20,260,000 |
| Total capital | 19,101,000 | 21,406,000 | 22,143,000 | 23,069,000 |
| Risk-weighted assets | 191,065,000 | 205,886,000 | 212,386,000 | 225,248,000 |