Call reports 2005
SYCAMORE NATIONAL BANK, THE — 2005
What SYCAMORE NATIONAL BANK, THE 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 | 46,055,000 | 47,875,000 | 48,208,000 | 48,466,000 |
| Total loans | 40,018,000 | 41,915,000 | 41,284,000 | 41,720,000 |
| Allowance for loan losses | 546,000 | 566,000 | 600,000 | 604,000 |
| Securities available for sale | 1,996,000 | 2,014,000 | 1,991,000 | 1,996,000 |
| Securities held to maturity | 10,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,877,000 | 43,514,000 | 43,791,000 | 43,984,000 |
| Interest-bearing deposits | 37,927,000 | 39,516,000 | 39,776,000 | 40,012,000 |
| Noninterest-bearing deposits | 3,950,000 | 3,998,000 | 4,015,000 | 3,972,000 |
| Equity capital | 3,895,000 | 4,009,000 | 4,089,000 | 4,150,000 |
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 | 775,000 | 1,611,000 | 2,487,000 | 3,390,000 |
| Interest expense | 203,000 | 419,000 | 664,000 | 922,000 |
| Net interest income | 572,000 | 1,192,000 | 1,823,000 | 2,468,000 |
| Noninterest income | 52,000 | 103,000 | 157,000 | 204,000 |
| Noninterest expense | 479,000 | 939,000 | 1,428,000 | 1,926,000 |
| Provision for loan losses | 36,000 | 81,000 | 126,000 | 220,000 |
| Pretax income | 109,000 | 275,000 | 426,000 | 526,000 |
| Income tax | 35,000 | 88,000 | 136,000 | 168,000 |
| Net income | 74,000 | 187,000 | 290,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,930,000 | 4,032,000 | 4,128,000 | 4,185,000 |
| Total capital | 4,445,000 | 4,571,000 | 4,662,000 | 4,724,000 |
| Risk-weighted assets | 41,202,000 | 43,102,000 | 42,619,000 | 43,056,000 |