Call reports 2003
COMMUNITY BANK OF LEMONT — 2003
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 31,734,000 | 33,043,000 | 35,432,000 | 36,592,000 |
| Total loans | 22,035,000 | 21,871,000 | 23,035,000 | 24,573,000 |
| Allowance for loan losses | 431,000 | 427,000 | 461,000 | 458,000 |
| Securities available for sale | 3,247,000 | 6,117,000 | 8,606,000 | 8,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,135,000 | 27,425,000 | 29,851,000 | 30,792,000 |
| Interest-bearing deposits | 24,519,000 | 25,758,000 | 27,858,000 | 29,019,000 |
| Noninterest-bearing deposits | 1,616,000 | 1,667,000 | 1,993,000 | 1,773,000 |
| Equity capital | 4,951,000 | 5,004,000 | 4,939,000 | 5,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 497,000 | 990,000 | 1,529,000 | 2,097,000 |
| Interest expense | 150,000 | 295,000 | 436,000 | 582,000 |
| Net interest income | 347,000 | 695,000 | 1,093,000 | 1,515,000 |
| Noninterest income | 30,000 | 61,000 | 90,000 | 129,000 |
| Noninterest expense | 270,000 | 572,000 | 880,000 | 1,204,000 |
| Provision for loan losses | 37,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 70,000 | 109,000 | 190,000 | 289,000 |
| Income tax | 0 | 0 | 7,000 | 41,000 |
| Net income | 70,000 | 109,000 | 183,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,888,000 | 4,928,000 | 5,002,000 | 5,068,000 |
| Total capital | 5,224,000 | 5,291,000 | 5,408,000 | 5,501,000 |
| Risk-weighted assets | 26,823,000 | 28,937,000 | 32,438,000 | 34,605,000 |
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