Call reports 2016
COMMUNITY BANK OF OAK PARK RIVER FOREST — 2016
What COMMUNITY BANK OF OAK PARK RIVER FOREST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 295,120,000 | 301,287,000 | 301,098,000 | 307,432,000 |
| Total loans | 204,826,000 | 218,628,000 | 224,070,000 | 236,889,000 |
| Allowance for loan losses | 4,332,000 | 4,308,000 | 4,208,000 | 4,251,000 |
| Securities available for sale | 44,769,000 | 44,568,000 | 44,031,000 | 39,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,213,000 | 270,997,000 | 270,456,000 | 264,134,000 |
| Interest-bearing deposits | 194,062,000 | 190,548,000 | 194,812,000 | 192,627,000 |
| Noninterest-bearing deposits | 71,151,000 | 80,449,000 | 75,644,000 | 71,507,000 |
| Equity capital | 28,765,000 | 29,193,000 | 29,442,000 | 29,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,012,000 | 6,152,000 | 9,351,000 | 12,695,000 |
| Interest expense | 90,000 | 180,000 | 267,000 | 357,000 |
| Net interest income | 2,922,000 | 5,972,000 | 9,084,000 | 12,338,000 |
| Noninterest income | 272,000 | 582,000 | 1,032,000 | 1,671,000 |
| Noninterest expense | 2,338,000 | 4,784,000 | 7,491,000 | 10,389,000 |
| Provision for loan losses | -500,000 | -600,000 | -800,000 | 200,000 |
| Pretax income | 1,356,000 | 2,370,000 | 3,433,000 | 3,428,000 |
| Income tax | 517,000 | 898,000 | 1,301,000 | 651,000 |
| Net income | 839,000 | 1,472,000 | 2,132,000 | 2,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,459,000 | 28,005,000 | 28,677,000 | 28,548,000 |
| Total capital | 30,554,000 | 31,231,000 | 31,928,000 | 32,002,000 |
| Risk-weighted assets | 245,846,000 | 256,533,000 | 258,856,000 | 274,826,000 |