Call reports 2005
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2005
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, 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 | 478,728,000 | 498,593,000 | 519,182,000 | 513,157,000 |
| Total loans | 352,872,000 | 372,003,000 | 384,116,000 | 383,059,000 |
| Allowance for loan losses | 3,308,000 | 3,346,000 | 3,370,000 | 3,220,000 |
| Securities available for sale | 92,572,000 | 91,786,000 | 95,348,000 | 94,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 412,614,000 | 429,472,000 | 441,592,000 | 444,409,000 |
| Interest-bearing deposits | 367,580,000 | 387,863,000 | 395,872,000 | 400,364,000 |
| Noninterest-bearing deposits | 45,034,000 | 41,609,000 | 45,720,000 | 44,045,000 |
| Equity capital | 55,173,000 | 55,406,000 | 56,271,000 | 57,100,000 |
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 | 6,291,000 | 12,923,000 | 19,871,000 | 27,047,000 |
| Interest expense | 2,185,000 | 4,568,000 | 7,251,000 | 10,154,000 |
| Net interest income | 4,106,000 | 8,355,000 | 12,620,000 | 16,893,000 |
| Noninterest income | 1,484,000 | 3,460,000 | 5,194,000 | 7,127,000 |
| Noninterest expense | 3,648,000 | 7,308,000 | 11,193,000 | 15,373,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 1,875,000 | 4,290,000 | 6,407,000 | 8,433,000 |
| Income tax | 547,000 | 1,264,000 | 1,856,000 | 2,485,000 |
| Net income | 1,328,000 | 3,026,000 | 4,551,000 | 5,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,388,000 | 49,365,000 | 51,064,000 | 52,237,000 |
| Total capital | 52,696,000 | 52,711,000 | 54,434,000 | 55,457,000 |
| Risk-weighted assets | 373,071,000 | 388,963,000 | 403,488,000 | 400,939,000 |