Call reports 2009
COMMUNITY BANK OF LEMONT — 2009
What COMMUNITY BANK OF LEMONT reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Total assets | 85,879,000 | 82,330,000 | 81,843,000 |
| Total loans | 73,791,000 | 68,946,000 | 46,283,000 |
| Allowance for loan losses | 1,516,000 | 1,511,000 | 2,256,000 |
| Securities available for sale | 6,992,000 | 5,666,000 | 5,017,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 72,413,000 | 66,688,000 | 80,688,000 |
| Interest-bearing deposits | 69,106,000 | 64,266,000 | 68,303,000 |
| Noninterest-bearing deposits | 3,307,000 | 2,422,000 | 12,385,000 |
| Equity capital | 1,161,000 | 2,648,000 | -1,710,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Interest income | 894,000 | 1,584,000 | 2,131,000 |
| Interest expense | 552,000 | 1,008,000 | 1,440,000 |
| Net interest income | 342,000 | 576,000 | 691,000 |
| Noninterest income | 34,000 | 62,000 | 89,000 |
| Noninterest expense | 991,000 | 2,730,000 | 4,459,000 |
| Provision for loan losses | 3,662,000 | 3,662,000 | 9,291,000 |
| Pretax income | -4,277,000 | -5,754,000 | -12,970,000 |
| Income tax | -184,000 | -184,000 | 507,000 |
| Net income | -4,093,000 | -5,570,000 | -13,477,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 |
|---|---|---|---|
| Tier 1 capital | 1,104,000 | 2,627,000 | -1,780,000 |
| Total capital | 2,208,000 | 4,887,000 | -1,780,000 |
| Risk-weighted assets | 78,118,000 | 75,184,000 | 56,980,000 |