Call reports 2008
COMMUNITY BANK OF LEMONT — 2008
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 104,062,000 | 100,913,000 | 95,845,000 | 93,550,000 |
| Total loans | 90,034,000 | 85,080,000 | 84,031,000 | 81,969,000 |
| Allowance for loan losses | 1,072,000 | 1,852,000 | 2,070,000 | 2,739,000 |
| Securities available for sale | 7,442,000 | 7,567,000 | 7,434,000 | 7,639,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,222,000 | 92,848,000 | 81,086,000 | 79,808,000 |
| Interest-bearing deposits | 91,070,000 | 87,771,000 | 77,070,000 | 75,747,000 |
| Noninterest-bearing deposits | 4,152,000 | 5,077,000 | 4,016,000 | 4,061,000 |
| Equity capital | 7,292,000 | 6,332,000 | 5,910,000 | 5,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,038,000 | 3,618,000 | 4,709,000 | 5,521,000 |
| Interest expense | 998,000 | 1,877,000 | 2,567,000 | 3,219,000 |
| Net interest income | 1,040,000 | 1,741,000 | 2,142,000 | 2,302,000 |
| Noninterest income | 35,000 | 73,000 | 120,000 | 159,000 |
| Noninterest expense | 805,000 | 1,476,000 | 2,311,000 | 3,123,000 |
| Provision for loan losses | 132,000 | 1,597,000 | 1,814,000 | 2,397,000 |
| Pretax income | 153,000 | -1,245,000 | -1,849,000 | -3,045,000 |
| Income tax | 53,000 | -492,000 | -699,000 | -1,059,000 |
| Net income | 100,000 | -753,000 | -1,150,000 | -1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,283,000 | 6,430,000 | 6,032,000 | 5,197,000 |
| Total capital | 8,253,000 | 7,430,000 | 10,126,000 | 9,289,000 |
| Risk-weighted assets | 76,761,000 | 87,736,000 | 85,812,000 | 85,520,000 |
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