Call reports 2007
FIRST COMMUNITY BANK OF JOLIET — 2007
What FIRST COMMUNITY BANK OF JOLIET 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 | 264,182,000 | 275,840,000 | 312,169,000 | 375,698,000 |
| Total loans | 189,041,000 | 219,913,000 | 243,981,000 | 277,606,000 |
| Allowance for loan losses | 3,017,000 | 3,335,000 | 3,746,000 | 4,267,000 |
| Securities available for sale | 30,125,000 | 26,591,000 | 35,155,000 | 44,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,754,000 | 241,351,000 | 271,723,000 | 335,296,000 |
| Interest-bearing deposits | 203,742,000 | 214,763,000 | 243,567,000 | 302,432,000 |
| Noninterest-bearing deposits | 27,012,000 | 26,588,000 | 28,156,000 | 32,864,000 |
| Equity capital | 31,993,000 | 32,520,000 | 33,032,000 | 33,513,000 |
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 | 4,064,000 | 7,886,000 | 11,907,000 | 16,365,000 |
| Interest expense | 2,189,000 | 3,978,000 | 6,052,000 | 8,647,000 |
| Net interest income | 1,875,000 | 3,908,000 | 5,855,000 | 7,718,000 |
| Noninterest income | 60,000 | 174,000 | 267,000 | 381,000 |
| Noninterest expense | 883,000 | 2,028,000 | 3,070,000 | 4,154,000 |
| Provision for loan losses | -223,000 | 95,000 | 506,000 | 1,077,000 |
| Pretax income | 1,275,000 | 1,959,000 | 2,546,000 | 2,868,000 |
| Income tax | 479,000 | 641,000 | 865,000 | 895,000 |
| Net income | 796,000 | 1,318,000 | 1,681,000 | 1,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,042,000 | 32,580,000 | 33,040,000 | 33,467,000 |
| Total capital | 34,832,000 | 35,707,000 | 36,522,000 | 37,432,000 |
| Risk-weighted assets | 222,984,000 | 249,981,000 | 278,309,000 | 316,896,000 |
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