Call reports 2004
COMMUNITY BANK OF ELMHURST — 2004
What COMMUNITY BANK OF ELMHURST 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 | 126,348,000 | 122,959,000 | 128,718,000 | 133,331,000 |
| Total loans | 48,244,000 | 50,448,000 | 51,920,000 | 54,310,000 |
| Allowance for loan losses | 671,000 | 633,000 | 666,000 | 668,000 |
| Securities available for sale | 70,151,000 | 64,012,000 | 62,875,000 | 71,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,107,000 | 114,314,000 | 118,714,000 | 120,147,000 |
| Interest-bearing deposits | 100,507,000 | 97,154,000 | 98,913,000 | 100,341,000 |
| Noninterest-bearing deposits | 15,600,000 | 17,160,000 | 19,801,000 | 19,806,000 |
| Equity capital | 9,974,000 | 8,445,000 | 9,747,000 | 10,770,000 |
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 | 1,307,000 | 2,716,000 | 4,232,000 | 5,710,000 |
| Interest expense | 422,000 | 825,000 | 1,227,000 | 1,659,000 |
| Net interest income | 885,000 | 1,891,000 | 3,005,000 | 4,051,000 |
| Noninterest income | 71,000 | 147,000 | 207,000 | 272,000 |
| Noninterest expense | 785,000 | 1,584,000 | 2,397,000 | 3,182,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 171,000 | 454,000 | 790,000 | 1,118,000 |
| Income tax | 20,000 | 47,000 | 74,000 | 88,000 |
| Net income | 151,000 | 407,000 | 716,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,387,000 | 9,497,000 | 9,638,000 | 10,952,000 |
| Total capital | 10,058,000 | 10,130,000 | 10,304,000 | 11,620,000 |
| Risk-weighted assets | 85,069,000 | 90,473,000 | 92,489,000 | 97,796,000 |