Call reports 2005
COMMUNITY BANK OF LEMONT — 2005
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 50,294,000 | 49,717,000 | 53,333,000 | 55,478,000 |
| Total loans | 35,838,000 | 38,027,000 | 40,209,000 | 43,481,000 |
| Allowance for loan losses | 394,000 | 487,000 | 494,000 | 527,000 |
| Securities available for sale | 4,014,000 | 3,829,000 | 3,640,000 | 3,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,177,000 | 43,122,000 | 46,623,000 | 49,003,000 |
| Interest-bearing deposits | 41,128,000 | 40,125,000 | 41,549,000 | 45,105,000 |
| Noninterest-bearing deposits | 3,049,000 | 2,997,000 | 5,074,000 | 3,898,000 |
| Equity capital | 5,264,000 | 5,508,000 | 5,578,000 | 5,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 700,000 | 1,504,000 | 2,373,000 | 3,359,000 |
| Interest expense | 201,000 | 474,000 | 784,000 | 1,132,000 |
| Net interest income | 499,000 | 1,030,000 | 1,589,000 | 2,227,000 |
| Noninterest income | 31,000 | 403,000 | 461,000 | 491,000 |
| Noninterest expense | 394,000 | 864,000 | 1,325,000 | 1,851,000 |
| Provision for loan losses | 38,000 | 150,000 | 188,000 | 225,000 |
| Pretax income | 98,000 | 419,000 | 537,000 | 582,000 |
| Income tax | 36,000 | 143,000 | 184,000 | 200,000 |
| Net income | 55,000 | 276,000 | 353,000 | 382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,310,000 | 5,531,000 | 5,587,000 | 5,616,000 |
| Total capital | 5,704,000 | 6,018,000 | 6,081,000 | 6,131,000 |
| Risk-weighted assets | 45,776,000 | 47,212,000 | 43,041,000 | 41,444,000 |