Call reports 2004
UNITED COMMUNITY BANK OF LISLE — 2004
What UNITED COMMUNITY BANK OF LISLE 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 | 236,718,000 | 248,694,000 | 251,467,000 | 259,088,000 |
| Total loans | 146,947,000 | 155,428,000 | 161,390,000 | 154,823,000 |
| Allowance for loan losses | 1,471,000 | 1,555,000 | 1,620,000 | 1,861,000 |
| Securities available for sale | 49,000,000 | 49,650,000 | 42,841,000 | 45,022,000 |
| Securities held to maturity | 11,272,000 | 14,263,000 | 15,130,000 | 14,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,420,000 | 200,946,000 | 202,717,000 | 207,892,000 |
| Interest-bearing deposits | 170,983,000 | 182,748,000 | 186,208,000 | 189,174,000 |
| Noninterest-bearing deposits | 15,437,000 | 18,198,000 | 16,509,000 | 18,718,000 |
| Equity capital | 22,146,000 | 21,784,000 | 21,934,000 | 21,931,000 |
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 | 2,660,000 | 5,465,000 | 8,417,000 | 11,622,000 |
| Interest expense | 897,000 | 1,854,000 | 2,984,000 | 4,236,000 |
| Net interest income | 1,763,000 | 3,611,000 | 5,433,000 | 7,386,000 |
| Noninterest income | 144,000 | 294,000 | 468,000 | 641,000 |
| Noninterest expense | 1,388,000 | 2,732,000 | 4,160,000 | 5,579,000 |
| Provision for loan losses | 363,000 | 776,000 | 1,581,000 | 2,150,000 |
| Pretax income | 148,000 | 388,000 | 150,000 | 266,000 |
| Income tax | -5,000 | -23,000 | -148,000 | -129,000 |
| Net income | 153,000 | 411,000 | 298,000 | 395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,851,000 | 21,953,000 | 21,632,000 | 21,697,000 |
| Total capital | 23,323,000 | 23,508,000 | 23,252,000 | 23,558,000 |
| Risk-weighted assets | 178,708,000 | 188,376,000 | 195,191,000 | 190,865,000 |