Call reports 2004
LEMONT NATIONAL BANK, THE — 2004
What LEMONT NATIONAL BANK, THE 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 | 72,834,000 | 71,040,000 | 72,269,000 | 70,279,000 |
| Total loans | 11,471,000 | 12,671,000 | 12,892,000 | 13,807,000 |
| Allowance for loan losses | 66,000 | 68,000 | 73,000 | 76,000 |
| Securities available for sale | 15,046,000 | 22,869,000 | 23,695,000 | 22,887,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,204,000 | 65,037,000 | 66,008,000 | 64,352,000 |
| Interest-bearing deposits | 53,240,000 | 51,612,000 | 52,001,000 | 50,768,000 |
| Noninterest-bearing deposits | 12,964,000 | 13,425,000 | 14,007,000 | 13,584,000 |
| Equity capital | 6,055,000 | 5,515,000 | 5,666,000 | 5,673,000 |
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 | 494,000 | 1,026,000 | 1,584,000 | 2,194,000 |
| Interest expense | 137,000 | 267,000 | 399,000 | 529,000 |
| Net interest income | 357,000 | 759,000 | 1,185,000 | 1,665,000 |
| Noninterest income | 114,000 | 177,000 | 247,000 | 311,000 |
| Noninterest expense | 669,000 | 1,298,000 | 1,922,000 | 2,619,000 |
| Provision for loan losses | 6,000 | 8,000 | 13,000 | 16,000 |
| Pretax income | -204,000 | -370,000 | -503,000 | -659,000 |
| Income tax | 0 | 0 | 0 | -266,000 |
| Net income | -204,000 | -370,000 | -503,000 | -393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,741,000 | 5,574,000 | 5,441,000 | 5,551,000 |
| Total capital | 5,807,000 | 5,642,000 | 5,514,000 | 5,627,000 |
| Risk-weighted assets | 23,639,000 | 23,936,000 | 24,475,000 | 24,968,000 |