Call reports 2008
FIRST COMMUNITY BANK OF JOLIET — 2008
What FIRST COMMUNITY BANK OF JOLIET 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 | 397,926,000 | 462,938,000 | 585,336,000 | 528,604,000 |
| Total loans | 324,587,000 | 404,826,000 | 476,736,000 | 425,659,000 |
| Allowance for loan losses | 6,532,000 | 7,190,000 | 9,341,000 | 9,003,000 |
| Securities available for sale | 46,102,000 | 41,562,000 | 54,622,000 | 50,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,968,000 | 405,769,000 | 514,082,000 | 458,671,000 |
| Interest-bearing deposits | 317,397,000 | 368,177,000 | 449,086,000 | 412,046,000 |
| Noninterest-bearing deposits | 33,571,000 | 37,592,000 | 64,996,000 | 46,625,000 |
| Equity capital | 34,744,000 | 35,089,000 | 35,923,000 | 49,553,000 |
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 | 5,559,000 | 11,481,000 | 18,464,000 | 25,471,000 |
| Interest expense | 3,462,000 | 6,687,000 | 10,337,000 | 14,394,000 |
| Net interest income | 2,097,000 | 4,794,000 | 8,127,000 | 11,077,000 |
| Noninterest income | 2,973,000 | 4,122,000 | 6,282,000 | 7,600,000 |
| Noninterest expense | 2,011,000 | 4,433,000 | 7,505,000 | 10,002,000 |
| Provision for loan losses | 2,265,000 | 3,493,000 | 5,719,000 | 7,037,000 |
| Pretax income | 794,000 | 990,000 | 1,185,000 | 1,638,000 |
| Income tax | -134,000 | -314,000 | -892,000 | -1,390,000 |
| Net income | 928,000 | 1,304,000 | 2,077,000 | 3,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,518,000 | 35,035,000 | 35,955,000 | 49,095,000 |
| Total capital | 39,020,000 | 40,401,000 | 42,169,000 | 54,993,000 |
| Risk-weighted assets | 358,166,000 | 427,487,000 | 511,224,000 | 468,697,000 |
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