Call reports 2004
COMMUNITY BANK OF LEMONT — 2004
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,355,000 | 41,196,000 | 42,605,000 | 43,303,000 |
| Total loans | 25,805,000 | 27,993,000 | 30,479,000 | 31,399,000 |
| Allowance for loan losses | 443,000 | 386,000 | 403,000 | 385,000 |
| Securities available for sale | 7,619,000 | 7,167,000 | 6,724,000 | 4,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,475,000 | 35,497,000 | 36,671,000 | 37,324,000 |
| Interest-bearing deposits | 31,500,000 | 33,181,000 | 33,605,000 | 34,344,000 |
| Noninterest-bearing deposits | 1,975,000 | 2,316,000 | 3,066,000 | 2,980,000 |
| Equity capital | 5,183,000 | 5,046,000 | 5,196,000 | 5,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,151,000 | 1,768,000 | 2,406,000 |
| Interest expense | 149,000 | 307,000 | 477,000 | 652,000 |
| Net interest income | 433,000 | 844,000 | 1,291,000 | 1,754,000 |
| Noninterest income | 18,000 | 62,000 | 97,000 | 130,000 |
| Noninterest expense | 330,000 | 704,000 | 1,085,000 | 1,456,000 |
| Provision for loan losses | 37,000 | 75,000 | 112,000 | 150,000 |
| Pretax income | 85,000 | 126,000 | 189,000 | 282,000 |
| Income tax | 25,000 | 38,000 | 58,000 | 94,000 |
| Net income | 60,000 | 88,000 | 131,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,128,000 | 5,155,000 | 5,199,000 | 5,256,000 |
| Total capital | 5,523,000 | 5,541,000 | 5,602,000 | 5,641,000 |
| Risk-weighted assets | 31,525,000 | 33,197,000 | 37,426,000 | 37,081,000 |
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