Call reports 2007
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2007
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 275,754,000 | 277,755,000 | 294,689,000 | 307,187,000 |
| Total loans | 222,448,000 | 227,858,000 | 248,189,000 | 263,979,000 |
| Allowance for loan losses | 4,051,000 | 4,352,000 | 4,654,000 | 4,868,000 |
| Securities available for sale | 37,490,000 | 36,230,000 | 35,633,000 | 33,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,967,000 | 249,667,000 | 259,210,000 | 276,237,000 |
| Interest-bearing deposits | 217,010,000 | 217,929,000 | 227,685,000 | 249,444,000 |
| Noninterest-bearing deposits | 30,957,000 | 31,738,000 | 31,525,000 | 26,793,000 |
| Equity capital | 26,683,000 | 26,885,000 | 28,091,000 | 29,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,238,000 | 10,376,000 | 15,864,000 | 21,559,000 |
| Interest expense | 2,269,000 | 4,312,000 | 6,433,000 | 8,558,000 |
| Net interest income | 2,969,000 | 6,064,000 | 9,431,000 | 13,001,000 |
| Noninterest income | 359,000 | 713,000 | 1,047,000 | 1,549,000 |
| Noninterest expense | 1,638,000 | 3,384,000 | 5,259,000 | 7,408,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,100,000 |
| Pretax income | 1,392,000 | 2,795,000 | 4,321,000 | 6,044,000 |
| Income tax | 524,000 | 1,047,000 | 1,627,000 | 2,268,000 |
| Net income | 868,000 | 1,748,000 | 2,694,000 | 3,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,655,000 | 27,035,000 | 27,981,000 | 29,063,000 |
| Total capital | 29,584,000 | 29,956,000 | 31,180,000 | 32,442,000 |
| Risk-weighted assets | 233,184,000 | 232,274,000 | 254,445,000 | 268,846,000 |