Call reports 2005
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2005
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 232,276,000 | 251,494,000 | 259,138,000 | 271,998,000 |
| Total loans | 209,824,000 | 226,937,000 | 234,961,000 | 234,135,000 |
| Allowance for loan losses | 2,468,000 | 2,768,000 | 3,068,000 | 3,079,000 |
| Securities available for sale | 11,854,000 | 11,910,000 | 13,855,000 | 17,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,426,000 | 231,531,000 | 237,726,000 | 249,397,000 |
| Interest-bearing deposits | 183,268,000 | 194,169,000 | 208,619,000 | 218,788,000 |
| Noninterest-bearing deposits | 30,158,000 | 37,362,000 | 29,107,000 | 30,609,000 |
| Equity capital | 17,811,000 | 18,908,000 | 20,067,000 | 21,183,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,449,000 | 7,527,000 | 12,125,000 | 16,998,000 |
| Interest expense | 869,000 | 1,984,000 | 3,338,000 | 4,898,000 |
| Net interest income | 2,580,000 | 5,543,000 | 8,787,000 | 12,100,000 |
| Noninterest income | 297,000 | 667,000 | 1,094,000 | 1,459,000 |
| Noninterest expense | 1,227,000 | 2,545,000 | 3,990,000 | 5,476,000 |
| Provision for loan losses | 195,000 | 495,000 | 795,000 | 1,095,000 |
| Pretax income | 1,455,000 | 3,170,000 | 5,096,000 | 6,988,000 |
| Income tax | 573,000 | 1,230,000 | 1,974,000 | 2,699,000 |
| Net income | 882,000 | 1,940,000 | 3,122,000 | 4,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,918,000 | 18,976,000 | 20,159,000 | 21,325,000 |
| Total capital | 20,386,000 | 21,618,000 | 22,968,000 | 24,183,000 |
| Risk-weighted assets | 197,738,000 | 211,238,000 | 224,469,000 | 228,450,000 |