Call reports 2010
FIRST COMMUNITY BANK OF JOLIET — 2010
What FIRST COMMUNITY BANK OF JOLIET reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 558,632,000 | 564,024,000 | 584,436,000 | 570,522,000 |
| Total loans | 485,462,000 | 497,725,000 | 503,305,000 | 496,142,000 |
| Allowance for loan losses | 12,233,000 | 14,979,000 | 13,294,000 | 14,857,000 |
| Securities available for sale | 45,005,000 | 46,823,000 | 47,259,000 | 50,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 538,000 | 315,000 |
| Total deposits | 465,797,000 | 491,743,000 | 496,260,000 | 495,567,000 |
| Interest-bearing deposits | 425,194,000 | 449,244,000 | 453,709,000 | 444,284,000 |
| Noninterest-bearing deposits | 40,603,000 | 42,499,000 | 42,551,000 | 51,283,000 |
| Equity capital | 55,077,000 | 55,608,000 | 57,897,000 | 46,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,233,000 | 14,592,000 | 22,197,000 | 29,896,000 |
| Interest expense | 2,605,000 | 5,160,000 | 7,666,000 | 10,018,000 |
| Net interest income | 4,628,000 | 9,432,000 | 14,531,000 | 19,878,000 |
| Noninterest income | -46,000 | 222,000 | 242,000 | 306,000 |
| Noninterest expense | 2,143,000 | 4,923,000 | 6,976,000 | 9,211,000 |
| Provision for loan losses | 1,926,000 | 6,808,000 | 9,446,000 | 19,610,000 |
| Pretax income | 513,000 | -2,077,000 | -1,649,000 | -8,580,000 |
| Income tax | 200,000 | -808,000 | -650,000 | 3,772,000 |
| Net income | 313,000 | -1,269,000 | -999,000 | -12,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,809,000 | 55,338,000 | 57,664,000 | 46,354,000 |
| Total capital | 61,211,000 | 62,007,000 | 64,435,000 | 53,057,000 |
| Risk-weighted assets | 517,645,000 | 548,047,000 | 537,501,000 | 528,078,000 |
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