Call reports 2009
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2009
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 351,944,000 | 381,343,000 | 368,827,000 | 360,746,000 |
| Total loans | 309,098,000 | 313,050,000 | 297,965,000 | 296,324,000 |
| Allowance for loan losses | 13,512,000 | 14,114,000 | 5,474,000 | 7,336,000 |
| Securities available for sale | 29,746,000 | 31,683,000 | 33,336,000 | 35,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,637,000 | 348,431,000 | 335,942,000 | 307,483,000 |
| Interest-bearing deposits | 275,016,000 | 315,078,000 | 303,344,000 | 268,001,000 |
| Noninterest-bearing deposits | 37,621,000 | 33,353,000 | 32,598,000 | 39,482,000 |
| Equity capital | 28,998,000 | 31,016,000 | 31,396,000 | 30,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,481,000 | 9,092,000 | 13,506,000 | 17,823,000 |
| Interest expense | 1,581,000 | 3,022,000 | 4,371,000 | 5,469,000 |
| Net interest income | 2,900,000 | 6,070,000 | 9,135,000 | 12,354,000 |
| Noninterest income | 835,000 | 1,880,000 | 2,578,000 | 3,195,000 |
| Noninterest expense | 2,123,000 | 4,432,000 | 6,725,000 | 9,281,000 |
| Provision for loan losses | 300,000 | 1,200,000 | 4,210,000 | 6,560,000 |
| Pretax income | 1,312,000 | 2,325,000 | 898,000 | -172,000 |
| Income tax | 517,000 | 907,000 | -167,000 | -499,000 |
| Net income | 795,000 | 1,418,000 | 1,065,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,554,000 | 30,678,000 | 31,124,000 | 30,387,000 |
| Total capital | 32,280,000 | 34,457,000 | 34,762,000 | 33,870,000 |
| Risk-weighted assets | 288,267,000 | 291,965,000 | 289,212,000 | 274,805,000 |