Call reports 2015
NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE — 2015
What NATIONAL BANK & TRUST COMPANY OF SYCAMORE, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 659,535,000 | 639,917,000 | 671,425,000 | 632,842,000 |
| Total loans | 409,922,000 | 412,537,000 | 415,590,000 | 424,947,000 |
| Allowance for loan losses | 3,957,000 | 4,032,000 | 4,165,000 | 4,275,000 |
| Securities available for sale | 118,238,000 | 139,195,000 | 135,251,000 | 128,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 595,794,000 | 575,754,000 | 605,831,000 | 567,027,000 |
| Interest-bearing deposits | 480,241,000 | 455,521,000 | 488,736,000 | 448,097,000 |
| Noninterest-bearing deposits | 115,553,000 | 120,233,000 | 117,095,000 | 118,930,000 |
| Equity capital | 60,519,000 | 60,629,000 | 61,803,000 | 62,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,235,000 | 10,465,000 | 15,941,000 | 21,465,000 |
| Interest expense | 526,000 | 1,064,000 | 1,594,000 | 2,138,000 |
| Net interest income | 4,709,000 | 9,401,000 | 14,347,000 | 19,327,000 |
| Noninterest income | 2,286,000 | 4,223,000 | 6,514,000 | 8,813,000 |
| Noninterest expense | 5,874,000 | 11,690,000 | 17,795,000 | 23,578,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 825,000 |
| Pretax income | 1,498,000 | 2,086,000 | 3,083,000 | 4,354,000 |
| Income tax | 530,000 | 647,000 | 953,000 | 857,000 |
| Net income | 968,000 | 1,439,000 | 2,130,000 | 3,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,394,000 | 56,865,000 | 57,555,000 | 58,965,000 |
| Total capital | 60,351,000 | 60,897,000 | 61,720,000 | 63,240,000 |
| Risk-weighted assets | 451,262,000 | 454,814,000 | 457,991,000 | 462,682,000 |