Call reports 2003
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2003
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, 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 | 383,305,000 | 425,457,000 | 404,267,000 | 401,273,000 |
| Total loans | 250,448,000 | 262,961,000 | 266,839,000 | 276,070,000 |
| Allowance for loan losses | 2,946,000 | 3,081,000 | 3,043,000 | 2,949,000 |
| Securities available for sale | 96,563,000 | 96,404,000 | 96,907,000 | 100,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,152,000 | 369,678,000 | 348,096,000 | 346,601,000 |
| Interest-bearing deposits | 295,275,000 | 330,245,000 | 311,518,000 | 313,884,000 |
| Noninterest-bearing deposits | 34,877,000 | 39,433,000 | 36,578,000 | 32,717,000 |
| Equity capital | 48,955,000 | 50,965,000 | 51,501,000 | 51,974,000 |
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 | 5,274,000 | 10,566,000 | 15,966,000 | 21,392,000 |
| Interest expense | 1,912,000 | 3,805,000 | 5,651,000 | 7,448,000 |
| Net interest income | 3,362,000 | 6,761,000 | 10,315,000 | 13,944,000 |
| Noninterest income | 1,578,000 | 3,491,000 | 5,218,000 | 6,736,000 |
| Noninterest expense | 2,942,000 | 5,778,000 | 8,812,000 | 11,995,000 |
| Provision for loan losses | 225,000 | 450,000 | 450,000 | 450,000 |
| Pretax income | 1,843,000 | 4,094,000 | 6,341,000 | 8,305,000 |
| Income tax | 530,000 | 1,202,000 | 1,857,000 | 2,437,000 |
| Net income | 1,313,000 | 2,892,000 | 4,484,000 | 5,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,869,000 | 46,237,000 | 47,816,000 | 48,789,000 |
| Total capital | 47,815,000 | 49,318,000 | 50,859,000 | 51,738,000 |
| Risk-weighted assets | 278,565,000 | 297,956,000 | 296,695,000 | 292,082,000 |