Call reports 2009
ELGIN STATE BANK — 2009
What ELGIN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 21,258,000 | 21,070,000 | 21,160,000 | 22,122,000 |
| Total loans | 10,464,000 | 10,176,000 | 9,322,000 | 10,206,000 |
| Allowance for loan losses | 138,000 | 136,000 | 137,000 | 135,000 |
| Securities available for sale | 7,286,000 | 8,546,000 | 8,592,000 | 8,455,000 |
| Securities held to maturity | 749,000 | 549,000 | 549,000 | 549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,511,000 | 19,405,000 | 19,413,000 | 20,437,000 |
| Interest-bearing deposits | 14,397,000 | 14,802,000 | 15,102,000 | 15,468,000 |
| Noninterest-bearing deposits | 5,114,000 | 4,603,000 | 4,311,000 | 4,969,000 |
| Equity capital | 1,683,000 | 1,586,000 | 1,686,000 | 1,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 263,000 | 535,000 | 821,000 | 1,084,000 |
| Interest expense | 89,000 | 175,000 | 255,000 | 330,000 |
| Net interest income | 174,000 | 360,000 | 566,000 | 754,000 |
| Noninterest income | 23,000 | 39,000 | 61,000 | 84,000 |
| Noninterest expense | 202,000 | 414,000 | 585,000 | 773,000 |
| Provision for loan losses | 25,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | -30,000 | -90,000 | -33,000 | -10,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -30,000 | -90,000 | -33,000 | -10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,649,000 | 1,589,000 | 1,646,000 | 1,668,000 |
| Total capital | 1,787,000 | 1,725,000 | 1,783,000 | 1,803,000 |
| Risk-weighted assets | 12,179,000 | 11,991,000 | 11,260,000 | 12,233,000 |
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