Call reports 2004
SYCAMORE NATIONAL BANK, THE — 2004
What SYCAMORE NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,615,000 | 40,802,000 | 41,038,000 | 48,017,000 |
| Total loans | 35,956,000 | 34,935,000 | 35,611,000 | 39,010,000 |
| Allowance for loan losses | 524,000 | 526,000 | 530,000 | 515,000 |
| Securities available for sale | 2,344,000 | 2,287,000 | 2,320,000 | 2,309,000 |
| Securities held to maturity | 13,000 | 12,000 | 11,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,726,000 | 36,925,000 | 37,065,000 | 43,895,000 |
| Interest-bearing deposits | 34,467,000 | 33,616,000 | 33,552,000 | 39,500,000 |
| Noninterest-bearing deposits | 3,259,000 | 3,309,000 | 3,514,000 | 4,395,000 |
| Equity capital | 3,677,000 | 3,662,000 | 3,704,000 | 3,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 646,000 | 1,296,000 | 1,942,000 | 2,651,000 |
| Interest expense | 176,000 | 348,000 | 517,000 | 710,000 |
| Net interest income | 470,000 | 948,000 | 1,425,000 | 1,941,000 |
| Noninterest income | 42,000 | 100,000 | 148,000 | 200,000 |
| Noninterest expense | 442,000 | 889,000 | 1,336,000 | 1,771,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 132,000 |
| Pretax income | 37,000 | 93,000 | 138,000 | 238,000 |
| Income tax | 12,000 | 30,000 | 44,000 | 76,000 |
| Net income | 25,000 | 63,000 | 94,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,677,000 | 3,700,000 | 3,721,000 | 3,778,000 |
| Total capital | 4,139,000 | 4,151,000 | 4,176,000 | 4,287,000 |
| Risk-weighted assets | 36,897,000 | 35,980,000 | 36,297,000 | 40,718,000 |