Call reports 2005
UNITED COMMUNITY BANK OF LISLE — 2005
What UNITED COMMUNITY BANK OF LISLE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 254,941,000 | 263,668,000 | 260,466,000 | 269,415,000 |
| Total loans | 163,854,000 | 170,891,000 | 169,383,000 | 176,983,000 |
| Allowance for loan losses | 1,967,000 | 2,051,000 | 2,033,000 | 2,124,000 |
| Securities available for sale | 42,331,000 | 41,334,000 | 43,483,000 | 41,665,000 |
| Securities held to maturity | 20,702,000 | 22,507,000 | 21,623,000 | 20,023,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,376,000 | 209,718,000 | 209,402,000 | 211,757,000 |
| Interest-bearing deposits | 185,398,000 | 189,894,000 | 189,713,000 | 193,228,000 |
| Noninterest-bearing deposits | 18,978,000 | 19,824,000 | 19,689,000 | 18,529,000 |
| Equity capital | 22,038,000 | 22,399,000 | 22,981,000 | 22,954,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,409,000 | 6,933,000 | 10,587,000 | 14,325,000 |
| Interest expense | 1,349,000 | 2,927,000 | 4,722,000 | 6,647,000 |
| Net interest income | 2,060,000 | 4,006,000 | 5,865,000 | 7,678,000 |
| Noninterest income | 156,000 | 515,000 | 914,000 | 1,298,000 |
| Noninterest expense | 1,580,000 | 3,187,000 | 4,936,000 | 6,765,000 |
| Provision for loan losses | 105,000 | 544,000 | 796,000 | 709,000 |
| Pretax income | 527,000 | 786,000 | 1,043,000 | 1,498,000 |
| Income tax | 64,000 | 114,000 | 182,000 | 389,000 |
| Net income | 463,000 | 672,000 | 861,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,040,000 | 21,248,000 | 22,069,000 | 22,420,000 |
| Total capital | 23,007,000 | 23,299,000 | 24,102,000 | 24,544,000 |
| Risk-weighted assets | 193,710,000 | 197,678,000 | 201,599,000 | 210,009,000 |