Call reports 2015
LEMONT NATIONAL BANK, THE — 2015
What LEMONT NATIONAL BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 57,302,000 | 59,390,000 | 57,382,000 | 56,671,000 |
| Total loans | 7,578,000 | 7,299,000 | 7,822,000 | 7,614,000 |
| Allowance for loan losses | 40,000 | 36,000 | 36,000 | 36,000 |
| Securities available for sale | 21,813,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 28,416,000 | 27,556,000 | 26,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,376,000 | 54,497,000 | 52,617,000 | 51,945,000 |
| Interest-bearing deposits | 38,407,000 | 39,785,000 | 37,919,000 | 37,235,000 |
| Noninterest-bearing deposits | 13,969,000 | 14,712,000 | 14,698,000 | 14,710,000 |
| Equity capital | 4,588,000 | 4,590,000 | 4,506,000 | 4,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 584,000 | 910,000 | 1,235,000 |
| Interest expense | 30,000 | 59,000 | 82,000 | 96,000 |
| Net interest income | 264,000 | 525,000 | 828,000 | 1,139,000 |
| Noninterest income | 22,000 | 46,000 | 87,000 | 131,000 |
| Noninterest expense | 414,000 | 813,000 | 1,227,000 | 1,624,000 |
| Provision for loan losses | -25,000 | -29,000 | -29,000 | -29,000 |
| Pretax income | -103,000 | 126,000 | 56,000 | 14,000 |
| Income tax | -35,000 | 43,000 | 19,000 | 5,000 |
| Net income | -68,000 | 83,000 | 37,000 | 9,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,026,000 | 3,173,000 | 3,081,000 | 3,018,000 |
| Total capital | 3,066,000 | 3,209,000 | 3,117,000 | 3,054,000 |
| Risk-weighted assets | 13,899,000 | 15,065,000 | 15,643,000 | 14,178,000 |