Call reports 2006
COMMUNITY BANK OF LEMONT — 2006
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 60,251,000 | 70,458,000 | 80,375,000 | 79,986,000 |
| Total loans | 48,434,000 | 58,733,000 | 66,547,000 | 64,557,000 |
| Allowance for loan losses | 549,000 | 609,000 | 683,000 | 762,000 |
| Securities available for sale | 3,688,000 | 3,659,000 | 3,695,000 | 6,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,800,000 | 63,746,000 | 73,233,000 | 72,413,000 |
| Interest-bearing deposits | 50,024,000 | 59,615,000 | 68,872,000 | 68,416,000 |
| Noninterest-bearing deposits | 3,776,000 | 4,131,000 | 4,361,000 | 3,997,000 |
| Equity capital | 5,692,000 | 5,794,000 | 5,980,000 | 6,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,406,000 | 4,029,000 | 5,704,000 |
| Interest expense | 413,000 | 992,000 | 1,731,000 | 2,542,000 |
| Net interest income | 646,000 | 1,414,000 | 2,298,000 | 3,162,000 |
| Noninterest income | 36,000 | 91,000 | 129,000 | 166,000 |
| Noninterest expense | 501,000 | 1,068,000 | 1,676,000 | 2,169,000 |
| Provision for loan losses | 66,000 | 141,000 | 216,000 | 291,000 |
| Pretax income | 115,000 | 296,000 | 540,000 | 873,000 |
| Income tax | 40,000 | 102,000 | 185,000 | 300,000 |
| Net income | 75,000 | 194,000 | 355,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,700,000 | 5,833,000 | 5,993,000 | 6,211,000 |
| Total capital | 6,249,000 | 6,442,000 | 6,676,000 | 6,963,000 |
| Risk-weighted assets | 45,950,000 | 54,565,000 | 61,702,000 | 59,367,000 |