Call reports 2003
SYCAMORE NATIONAL BANK, THE — 2003
What SYCAMORE NATIONAL BANK, THE 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 | 44,411,000 | 43,926,000 | 42,946,000 | 42,541,000 |
| Total loans | 35,158,000 | 35,723,000 | 36,239,000 | 34,703,000 |
| Allowance for loan losses | 494,000 | 510,000 | 528,000 | 521,000 |
| Securities available for sale | 1,701,000 | 802,000 | 2,082,000 | 4,074,000 |
| Securities held to maturity | 27,000 | 26,000 | 24,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,353,000 | 39,933,000 | 38,980,000 | 38,600,000 |
| Interest-bearing deposits | 37,083,000 | 36,738,000 | 35,532,000 | 34,421,000 |
| Noninterest-bearing deposits | 3,270,000 | 3,195,000 | 3,448,000 | 4,179,000 |
| Equity capital | 3,562,000 | 3,597,000 | 3,623,000 | 3,651,000 |
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 | 722,000 | 1,399,000 | 2,074,000 | 2,719,000 |
| Interest expense | 220,000 | 440,000 | 642,000 | 825,000 |
| Net interest income | 502,000 | 959,000 | 1,432,000 | 1,894,000 |
| Noninterest income | 52,000 | 126,000 | 190,000 | 274,000 |
| Noninterest expense | 423,000 | 848,000 | 1,281,000 | 1,728,000 |
| Provision for loan losses | 33,000 | 66,000 | 102,000 | 138,000 |
| Pretax income | 98,000 | 171,000 | 239,000 | 302,000 |
| Income tax | 33,000 | 58,000 | 81,000 | 103,000 |
| Net income | 65,000 | 113,000 | 158,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,564,000 | 3,596,000 | 3,634,000 | 3,664,000 |
| Total capital | 4,026,000 | 4,065,000 | 4,106,000 | 4,118,000 |
| Risk-weighted assets | 36,892,000 | 37,496,000 | 37,670,000 | 36,251,000 |