Call reports 2012
FIRST COMMUNITY BANK OF JOLIET — 2012
What FIRST COMMUNITY BANK OF JOLIET reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 489,404,000 | 474,862,000 | 481,538,000 | 474,084,000 |
| Total loans | 366,924,000 | 359,005,000 | 346,331,000 | 329,296,000 |
| Allowance for loan losses | 18,392,000 | 17,313,000 | 16,158,000 | 14,093,000 |
| Securities available for sale | 58,991,000 | 67,793,000 | 66,127,000 | 67,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 505,000 | 595,000 | 606,000 | 563,000 |
| Total deposits | 426,482,000 | 410,157,000 | 405,484,000 | 404,743,000 |
| Interest-bearing deposits | 375,524,000 | 353,937,000 | 352,800,000 | 339,984,000 |
| Noninterest-bearing deposits | 50,958,000 | 56,220,000 | 52,684,000 | 64,759,000 |
| Equity capital | 43,968,000 | 43,531,000 | 43,807,000 | 43,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,753,000 | 11,059,000 | 16,188,000 | 20,910,000 |
| Interest expense | 1,495,000 | 2,795,000 | 3,987,000 | 5,014,000 |
| Net interest income | 4,258,000 | 8,264,000 | 12,201,000 | 15,896,000 |
| Noninterest income | 152,000 | 380,000 | 64,000 | 49,000 |
| Noninterest expense | 2,781,000 | 5,824,000 | 8,689,000 | 11,252,000 |
| Provision for loan losses | 1,875,000 | 3,750,000 | 4,493,000 | 5,433,000 |
| Pretax income | -246,000 | -930,000 | -917,000 | -740,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -246,000 | -930,000 | -917,000 | -740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,272,000 | 42,667,000 | 42,684,000 | 42,905,000 |
| Total capital | 48,239,000 | 47,514,000 | 47,395,000 | 47,428,000 |
| Risk-weighted assets | 383,905,000 | 375,690,000 | 365,429,000 | 352,258,000 |