Call reports 2003
COMMUNITY BANK OF ELMHURST — 2003
What COMMUNITY BANK OF ELMHURST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 111,631,000 | 118,133,000 | 120,377,000 | 123,117,000 |
| Total loans | 45,145,000 | 44,446,000 | 45,087,000 | 45,959,000 |
| Allowance for loan losses | 722,000 | 759,000 | 789,000 | 686,000 |
| Securities available for sale | 58,207,000 | 65,548,000 | 63,977,000 | 68,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,504,000 | 106,708,000 | 110,816,000 | 113,177,000 |
| Interest-bearing deposits | 88,184,000 | 91,713,000 | 94,257,000 | 97,920,000 |
| Noninterest-bearing deposits | 13,320,000 | 14,995,000 | 16,559,000 | 15,257,000 |
| Equity capital | 9,829,000 | 10,123,000 | 9,296,000 | 9,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,615,000 | 3,944,000 | 5,263,000 |
| Interest expense | 478,000 | 945,000 | 1,395,000 | 1,835,000 |
| Net interest income | 832,000 | 1,670,000 | 2,549,000 | 3,428,000 |
| Noninterest income | 76,000 | 174,000 | 247,000 | 336,000 |
| Noninterest expense | 700,000 | 1,416,000 | 2,136,000 | 2,891,000 |
| Provision for loan losses | 28,000 | 63,000 | 93,000 | 93,000 |
| Pretax income | 180,000 | 365,000 | 567,000 | 780,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 180,000 | 365,000 | 567,000 | 780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,792,000 | 8,838,000 | 8,953,000 | 9,364,000 |
| Total capital | 9,514,000 | 9,597,000 | 9,742,000 | 10,050,000 |
| Risk-weighted assets | 73,173,000 | 78,883,000 | 81,118,000 | 82,500,000 |