Call reports 2009
FIRST COMMUNITY BANK OF JOLIET — 2009
What FIRST COMMUNITY BANK OF JOLIET reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 594,683,000 | 536,777,000 | 542,620,000 | 543,935,000 |
| Total loans | 449,176,000 | 440,857,000 | 475,829,000 | 472,652,000 |
| Allowance for loan losses | 10,117,000 | 9,739,000 | 10,941,000 | 11,291,000 |
| Securities available for sale | 37,190,000 | 36,677,000 | 39,555,000 | 47,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,743,000 | 455,070,000 | 457,566,000 | 452,205,000 |
| Interest-bearing deposits | 466,099,000 | 422,248,000 | 419,434,000 | 414,739,000 |
| Noninterest-bearing deposits | 58,644,000 | 32,822,000 | 38,132,000 | 37,466,000 |
| Equity capital | 49,630,000 | 50,108,000 | 50,513,000 | 54,625,000 |
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 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,509,000 | 13,190,000 | 20,539,000 | 27,768,000 |
| Interest expense | 3,939,000 | 7,652,000 | 11,090,000 | 14,064,000 |
| Net interest income | 2,570,000 | 5,538,000 | 9,449,000 | 13,704,000 |
| Noninterest income | 742,000 | 2,070,000 | 2,265,000 | 643,000 |
| Noninterest expense | 2,565,000 | 5,072,000 | 7,291,000 | 11,326,000 |
| Provision for loan losses | 1,144,000 | 2,744,000 | 4,444,000 | 9,725,000 |
| Pretax income | -397,000 | -208,000 | -21,000 | -6,704,000 |
| Income tax | -453,000 | -580,000 | -565,000 | -1,786,000 |
| Net income | 56,000 | 372,000 | 544,000 | -4,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,325,000 | 49,850,000 | 50,217,000 | 54,383,000 |
| Total capital | 55,555,000 | 55,919,000 | 56,583,000 | 60,691,000 |
| Risk-weighted assets | 494,498,000 | 481,838,000 | 504,707,000 | 499,647,000 |
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