Call reports 2007
ELGIN STATE BANK — 2007
What ELGIN STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 18,714,000 | 18,463,000 | 18,109,000 | 19,370,000 |
| Total loans | 10,751,000 | 10,579,000 | 10,786,000 | 10,041,000 |
| Allowance for loan losses | 135,000 | 131,000 | 131,000 | 134,000 |
| Securities available for sale | 6,401,000 | 6,057,000 | 5,955,000 | 6,308,000 |
| Securities held to maturity | 853,000 | 587,000 | 587,000 | 587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,772,000 | 16,842,000 | 15,782,000 | 17,547,000 |
| Interest-bearing deposits | 12,722,000 | 12,766,000 | 12,183,000 | 12,623,000 |
| Noninterest-bearing deposits | 4,050,000 | 4,076,000 | 3,599,000 | 4,924,000 |
| Equity capital | 1,711,000 | 1,548,000 | 1,675,000 | 1,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 598,000 | 897,000 | 1,198,000 |
| Interest expense | 96,000 | 198,000 | 300,000 | 406,000 |
| Net interest income | 200,000 | 400,000 | 597,000 | 792,000 |
| Noninterest income | 25,000 | 45,000 | 66,000 | 88,000 |
| Noninterest expense | 195,000 | 384,000 | 566,000 | 767,000 |
| Provision for loan losses | 0 | 80,000 | 81,000 | 84,000 |
| Pretax income | 30,000 | -19,000 | 16,000 | 29,000 |
| Income tax | 1,000 | 0 | 0 | 1,000 |
| Net income | 29,000 | -19,000 | 16,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,804,000 | 1,682,000 | 1,717,000 | 1,730,000 |
| Total capital | 1,939,000 | 1,813,000 | 1,848,000 | 1,864,000 |
| Risk-weighted assets | 11,962,000 | 11,802,000 | 11,954,000 | 11,546,000 |
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