Call reports 2010
ELGIN STATE BANK — 2010
What ELGIN STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 22,328,000 | 21,365,000 | 21,312,000 | 21,890,000 |
| Total loans | 9,698,000 | 9,665,000 | 9,099,000 | 9,797,000 |
| Allowance for loan losses | 137,000 | 136,000 | 135,000 | 135,000 |
| Securities available for sale | 9,237,000 | 8,756,000 | 9,416,000 | 9,374,000 |
| Securities held to maturity | 594,000 | 623,000 | 848,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,597,000 | 19,509,000 | 19,409,000 | 20,223,000 |
| Interest-bearing deposits | 15,672,000 | 15,535,000 | 15,106,000 | 15,209,000 |
| Noninterest-bearing deposits | 4,925,000 | 3,974,000 | 4,303,000 | 5,014,000 |
| Equity capital | 1,677,000 | 1,795,000 | 1,850,000 | 1,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 249,000 | 504,000 | 747,000 | 992,000 |
| Interest expense | 69,000 | 136,000 | 194,000 | 251,000 |
| Net interest income | 180,000 | 368,000 | 553,000 | 741,000 |
| Noninterest income | 24,000 | 42,000 | 59,000 | 75,000 |
| Noninterest expense | 197,000 | 399,000 | 549,000 | 751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 7,000 | 11,000 | 63,000 | 65,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 7,000 | 11,000 | 63,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,675,000 | 1,680,000 | 1,731,000 | 1,733,000 |
| Total capital | 1,812,000 | 1,816,000 | 1,866,000 | 1,868,000 |
| Risk-weighted assets | 11,527,000 | 11,391,000 | 11,037,000 | 11,890,000 |
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