Call reports 2008
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2008
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 556,750,000 | 573,871,000 | 556,752,000 | 569,099,000 |
| Total loans | 411,318,000 | 418,693,000 | 409,227,000 | 419,965,000 |
| Allowance for loan losses | 3,409,000 | 3,697,000 | 3,745,000 | 3,511,000 |
| Securities available for sale | 103,634,000 | 100,240,000 | 101,751,000 | 100,396,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,660,000 | 492,219,000 | 483,845,000 | 495,754,000 |
| Interest-bearing deposits | 429,813,000 | 449,445,000 | 442,992,000 | 444,614,000 |
| Noninterest-bearing deposits | 42,847,000 | 42,774,000 | 40,853,000 | 51,140,000 |
| Equity capital | 66,496,000 | 66,383,000 | 67,895,000 | 69,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,217,000 | 16,183,000 | 24,226,000 | 31,516,000 |
| Interest expense | 3,825,000 | 7,392,000 | 10,775,000 | 13,817,000 |
| Net interest income | 4,392,000 | 8,791,000 | 13,451,000 | 17,699,000 |
| Noninterest income | 2,277,000 | 4,466,000 | 6,280,000 | 8,227,000 |
| Noninterest expense | 4,388,000 | 9,024,000 | 13,387,000 | 18,387,000 |
| Provision for loan losses | 113,000 | 225,000 | 337,000 | 450,000 |
| Pretax income | 2,201,000 | 4,035,000 | 6,034,000 | 7,116,000 |
| Income tax | 717,000 | 1,298,000 | 1,949,000 | 2,253,000 |
| Net income | 1,484,000 | 2,737,000 | 4,085,000 | 4,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,119,000 | 61,116,000 | 62,512,000 | 62,590,000 |
| Total capital | 63,528,000 | 64,813,000 | 66,257,000 | 66,101,000 |
| Risk-weighted assets | 461,799,000 | 457,095,000 | 453,171,000 | 455,463,000 |