Call reports 2007
COMMUNITY BANK OF LEMONT — 2007
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,309,000 | 93,482,000 | 96,893,000 | 101,683,000 |
| Total loans | 63,548,000 | 75,038,000 | 83,436,000 | 85,454,000 |
| Allowance for loan losses | 780,000 | 878,000 | 976,000 | 1,000,000 |
| Securities available for sale | 6,588,000 | 6,462,000 | 6,705,000 | 7,051,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,776,000 | 85,671,000 | 86,671,000 | 93,311,000 |
| Interest-bearing deposits | 66,774,000 | 80,801,000 | 82,122,000 | 88,791,000 |
| Noninterest-bearing deposits | 4,002,000 | 4,871,000 | 4,549,000 | 4,520,000 |
| Equity capital | 6,393,000 | 6,561,000 | 6,863,000 | 7,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,473,000 | 5,546,000 | 7,665,000 |
| Interest expense | 775,000 | 1,589,000 | 2,598,000 | 3,635,000 |
| Net interest income | 855,000 | 1,884,000 | 2,948,000 | 4,030,000 |
| Noninterest income | 37,000 | 75,000 | 114,000 | 152,000 |
| Noninterest expense | 585,000 | 1,188,000 | 1,798,000 | 2,411,000 |
| Provision for loan losses | 20,000 | 143,000 | 241,000 | 298,000 |
| Pretax income | 287,000 | 628,000 | 1,023,000 | 1,476,000 |
| Income tax | 99,000 | 215,000 | 350,000 | 504,000 |
| Net income | 188,000 | 413,000 | 673,000 | 972,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,399,000 | 6,624,000 | 6,883,000 | 7,183,000 |
| Total capital | 7,136,000 | 7,502,000 | 7,852,000 | 8,162,000 |
| Risk-weighted assets | 58,988,000 | 69,892,000 | 76,720,000 | 77,527,000 |
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