Call reports 2008
ELGIN STATE BANK — 2008
What ELGIN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 20,149,000 | 21,101,000 | 19,649,000 | 21,627,000 |
| Total loans | 10,475,000 | 10,609,000 | 10,337,000 | 10,327,000 |
| Allowance for loan losses | 136,000 | 137,000 | 114,000 | 138,000 |
| Securities available for sale | 6,545,000 | 6,110,000 | 6,172,000 | 6,988,000 |
| Securities held to maturity | 587,000 | 749,000 | 749,000 | 749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,259,000 | 19,397,000 | 17,929,000 | 19,767,000 |
| Interest-bearing deposits | 13,646,000 | 14,195,000 | 13,889,000 | 14,202,000 |
| Noninterest-bearing deposits | 4,613,000 | 5,202,000 | 4,040,000 | 5,565,000 |
| Equity capital | 1,802,000 | 1,615,000 | 1,648,000 | 1,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 593,000 | 881,000 | 1,167,000 |
| Interest expense | 108,000 | 215,000 | 320,000 | 421,000 |
| Net interest income | 182,000 | 378,000 | 561,000 | 746,000 |
| Noninterest income | 27,000 | 45,000 | 65,000 | 84,000 |
| Noninterest expense | 190,000 | 422,000 | 604,000 | 816,000 |
| Provision for loan losses | 0 | 0 | 0 | 24,000 |
| Pretax income | 19,000 | 1,000 | 22,000 | -10,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | 1,000 | 22,000 | -10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,749,000 | 1,690,000 | 1,711,000 | 1,679,000 |
| Total capital | 1,885,000 | 1,827,000 | 1,825,000 | 1,817,000 |
| Risk-weighted assets | 11,981,000 | 12,387,000 | 11,870,000 | 12,181,000 |
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