Call reports 2009
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2009
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 563,026,000 | 591,083,000 | 613,046,000 | 568,213,000 |
| Total loans | 406,132,000 | 410,287,000 | 381,609,000 | 366,320,000 |
| Allowance for loan losses | 3,308,000 | 3,565,000 | 4,030,000 | 4,896,000 |
| Securities available for sale | 99,174,000 | 89,940,000 | 90,208,000 | 102,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,197,000 | 517,233,000 | 538,498,000 | 499,157,000 |
| Interest-bearing deposits | 443,693,000 | 461,437,000 | 489,445,000 | 454,262,000 |
| Noninterest-bearing deposits | 47,504,000 | 55,796,000 | 49,053,000 | 44,895,000 |
| Equity capital | 68,567,000 | 69,309,000 | 70,121,000 | 67,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,333,000 | 14,346,000 | 21,641,000 | 28,363,000 |
| Interest expense | 2,671,000 | 5,084,000 | 7,352,000 | 9,279,000 |
| Net interest income | 4,662,000 | 9,262,000 | 14,289,000 | 19,084,000 |
| Noninterest income | 2,490,000 | 4,875,000 | 6,809,000 | 8,938,000 |
| Noninterest expense | 4,197,000 | 9,130,000 | 14,147,000 | 20,030,000 |
| Provision for loan losses | 3,375,000 | 3,875,000 | 4,800,000 | 10,397,000 |
| Pretax income | -420,000 | 1,125,000 | 2,125,000 | -2,444,000 |
| Income tax | -143,000 | 205,000 | 581,000 | -1,519,000 |
| Net income | -277,000 | 920,000 | 1,544,000 | -925,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,326,000 | 63,232,000 | 63,898,000 | 62,177,000 |
| Total capital | 65,634,000 | 66,797,000 | 67,928,000 | 67,073,000 |
| Risk-weighted assets | 459,891,000 | 445,396,000 | 413,637,000 | 401,006,000 |