Call reports 2006
SYCAMORE NATIONAL BANK, THE — 2006
What SYCAMORE NATIONAL BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 49,492,000 | 48,032,000 | 48,658,000 | 49,193,000 |
| Total loans | 41,803,000 | 40,584,000 | 41,396,000 | 40,757,000 |
| Allowance for loan losses | 611,000 | 645,000 | 614,000 | 607,000 |
| Securities available for sale | 1,993,000 | 1,743,000 | 1,764,000 | 1,772,000 |
| Securities held to maturity | 8,000 | 7,000 | 7,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,040,000 | 43,517,000 | 44,026,000 | 44,487,000 |
| Interest-bearing deposits | 40,900,000 | 39,698,000 | 39,830,000 | 41,150,000 |
| Noninterest-bearing deposits | 4,140,000 | 3,819,000 | 4,196,000 | 3,337,000 |
| Equity capital | 4,227,000 | 4,306,000 | 4,401,000 | 4,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,842,000 | 2,798,000 | 3,760,000 |
| Interest expense | 285,000 | 588,000 | 903,000 | 1,243,000 |
| Net interest income | 632,000 | 1,254,000 | 1,895,000 | 2,517,000 |
| Noninterest income | 39,000 | 80,000 | 135,000 | 177,000 |
| Noninterest expense | 497,000 | 979,000 | 1,494,000 | 2,003,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 129,000 | 265,000 | 401,000 | 511,000 |
| Income tax | 44,000 | 90,000 | 136,000 | 174,000 |
| Net income | 85,000 | 175,000 | 265,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,263,000 | 4,342,000 | 4,425,000 | 4,481,000 |
| Total capital | 4,807,000 | 4,871,000 | 4,963,000 | 5,014,000 |
| Risk-weighted assets | 43,483,000 | 42,235,000 | 42,972,000 | 42,541,000 |