Call reports 2012
LEMONT NATIONAL BANK, THE — 2012
What LEMONT NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,675,000 | 57,731,000 | 57,359,000 | 58,325,000 |
| Total loans | 8,425,000 | 7,979,000 | 7,962,000 | 8,077,000 |
| Allowance for loan losses | 68,000 | 64,000 | 64,000 | 64,000 |
| Securities available for sale | 15,310,000 | 14,540,000 | 13,200,000 | 11,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,030,000 | 52,152,000 | 51,962,000 | 53,192,000 |
| Interest-bearing deposits | 39,495,000 | 40,652,000 | 40,560,000 | 40,617,000 |
| Noninterest-bearing deposits | 11,535,000 | 11,500,000 | 11,402,000 | 12,575,000 |
| Equity capital | 5,384,000 | 5,303,000 | 5,157,000 | 4,847,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 328,000 | 622,000 | 899,000 | 1,158,000 |
| Interest expense | 59,000 | 114,000 | 166,000 | 217,000 |
| Net interest income | 269,000 | 508,000 | 733,000 | 941,000 |
| Noninterest income | 31,000 | 61,000 | 92,000 | 120,000 |
| Noninterest expense | 486,000 | 968,000 | 1,440,000 | 1,922,000 |
| Provision for loan losses | -8,000 | -12,000 | -12,000 | -12,000 |
| Pretax income | -178,000 | -387,000 | -603,000 | -849,000 |
| Income tax | -59,000 | -131,000 | -206,000 | -289,000 |
| Net income | -119,000 | -256,000 | -397,000 | -560,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,277,000 | 3,997,000 | 3,887,000 | 3,460,000 |
| Total capital | 4,346,000 | 4,062,000 | 3,952,000 | 3,525,000 |
| Risk-weighted assets | 11,181,000 | 10,690,000 | 11,859,000 | 11,953,000 |