Call reports 2003
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2003
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 158,454,000 | 156,784,000 | 158,756,000 | 163,368,000 |
| Total loans | 126,478,000 | 133,468,000 | 130,573,000 | 133,435,000 |
| Allowance for loan losses | 1,588,000 | 1,663,000 | 1,738,000 | 1,813,000 |
| Securities available for sale | 19,260,000 | 18,320,000 | 15,968,000 | 14,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,336,000 | 143,727,000 | 146,152,000 | 148,737,000 |
| Interest-bearing deposits | 123,580,000 | 122,253,000 | 122,906,000 | 122,461,000 |
| Noninterest-bearing deposits | 23,756,000 | 21,474,000 | 23,246,000 | 26,276,000 |
| Equity capital | 10,551,000 | 11,269,000 | 11,733,000 | 12,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,955,000 | 4,065,000 | 6,127,000 | 8,214,000 |
| Interest expense | 540,000 | 1,066,000 | 1,511,000 | 1,897,000 |
| Net interest income | 1,415,000 | 2,999,000 | 4,616,000 | 6,317,000 |
| Noninterest income | 468,000 | 1,165,000 | 1,664,000 | 1,968,000 |
| Noninterest expense | 969,000 | 2,066,000 | 3,127,000 | 4,142,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 839,000 | 1,948,000 | 2,928,000 | 3,843,000 |
| Income tax | 311,000 | 747,000 | 1,102,000 | 1,432,000 |
| Net income | 528,000 | 1,201,000 | 1,826,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,406,000 | 11,078,000 | 11,703,000 | 12,788,000 |
| Total capital | 11,926,000 | 12,608,000 | 13,244,000 | 14,341,000 |
| Risk-weighted assets | 121,527,000 | 122,251,000 | 123,044,000 | 124,018,000 |