Call reports 2004
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2004
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, 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 | 397,636,000 | 485,435,000 | 482,164,000 | 478,041,000 |
| Total loans | 280,879,000 | 331,429,000 | 343,889,000 | 349,042,000 |
| Allowance for loan losses | 2,958,000 | 3,686,000 | 3,597,000 | 3,281,000 |
| Securities available for sale | 94,040,000 | 104,933,000 | 102,637,000 | 97,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,659,000 | 427,129,000 | 407,138,000 | 412,475,000 |
| Interest-bearing deposits | 304,963,000 | 384,390,000 | 366,652,000 | 370,630,000 |
| Noninterest-bearing deposits | 35,696,000 | 42,739,000 | 40,486,000 | 41,845,000 |
| Equity capital | 53,707,000 | 52,141,000 | 54,523,000 | 54,975,000 |
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 | 5,215,000 | 10,350,000 | 16,553,000 | 22,982,000 |
| Interest expense | 1,732,000 | 3,489,000 | 5,589,000 | 7,736,000 |
| Net interest income | 3,483,000 | 6,861,000 | 10,964,000 | 15,246,000 |
| Noninterest income | 1,321,000 | 3,254,000 | 4,843,000 | 6,616,000 |
| Noninterest expense | 3,049,000 | 6,136,000 | 9,751,000 | 13,564,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,712,000 | 3,796,000 | 5,873,000 | 8,110,000 |
| Income tax | 490,000 | 1,114,000 | 1,707,000 | 2,363,000 |
| Net income | 1,222,000 | 2,682,000 | 4,166,000 | 5,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,018,000 | 46,019,000 | 47,418,000 | 48,091,000 |
| Total capital | 52,976,000 | 49,705,000 | 51,015,000 | 51,372,000 |
| Risk-weighted assets | 298,974,000 | 355,282,000 | 365,048,000 | 369,173,000 |