Call reports 2004
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2004
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 164,693,000 | 189,941,000 | 195,948,000 | 216,788,000 |
| Total loans | 146,617,000 | 164,263,000 | 169,790,000 | 186,940,000 |
| Allowance for loan losses | 1,918,000 | 2,023,000 | 2,131,000 | 2,273,000 |
| Securities available for sale | 12,832,000 | 12,517,000 | 12,704,000 | 12,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,546,000 | 175,453,000 | 180,114,000 | 199,593,000 |
| Interest-bearing deposits | 123,850,000 | 142,338,000 | 152,212,000 | 169,591,000 |
| Noninterest-bearing deposits | 24,696,000 | 33,115,000 | 27,902,000 | 30,002,000 |
| Equity capital | 13,404,000 | 13,881,000 | 14,806,000 | 16,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,041,000 | 4,409,000 | 7,109,000 | 10,091,000 |
| Interest expense | 364,000 | 808,000 | 1,356,000 | 2,032,000 |
| Net interest income | 1,677,000 | 3,601,000 | 5,753,000 | 8,059,000 |
| Noninterest income | 285,000 | 667,000 | 1,103,000 | 1,362,000 |
| Noninterest expense | 1,028,000 | 2,119,000 | 3,298,000 | 4,507,000 |
| Provision for loan losses | 105,000 | 210,000 | 325,000 | 460,000 |
| Pretax income | 829,000 | 1,939,000 | 3,233,000 | 4,454,000 |
| Income tax | 309,000 | 737,000 | 1,233,000 | 1,707,000 |
| Net income | 520,000 | 1,202,000 | 2,000,000 | 2,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,309,000 | 13,991,000 | 14,789,000 | 16,036,000 |
| Total capital | 14,984,000 | 15,895,000 | 16,774,000 | 18,253,000 |
| Risk-weighted assets | 133,743,000 | 152,191,000 | 158,633,000 | 177,312,000 |