Call reports 2012
ELGIN STATE BANK — 2012
What ELGIN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 21,480,000 | 22,278,000 | 21,053,000 | 23,140,000 |
| Total loans | 7,569,000 | 7,455,000 | 7,304,000 | 6,993,000 |
| Allowance for loan losses | 122,000 | 122,000 | 117,000 | 119,000 |
| Securities available for sale | 10,566,000 | 10,223,000 | 10,488,000 | 10,767,000 |
| Securities held to maturity | 798,000 | 897,000 | 897,000 | 897,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,704,000 | 20,442,000 | 19,202,000 | 21,007,000 |
| Interest-bearing deposits | 14,839,000 | 14,913,000 | 14,854,000 | 15,012,000 |
| Noninterest-bearing deposits | 4,865,000 | 5,529,000 | 4,348,000 | 5,995,000 |
| Equity capital | 1,746,000 | 1,803,000 | 1,820,000 | 1,806,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 215,000 | 434,000 | 643,000 | 843,000 |
| Interest expense | 38,000 | 73,000 | 107,000 | 139,000 |
| Net interest income | 177,000 | 361,000 | 536,000 | 704,000 |
| Noninterest income | 24,000 | 41,000 | 42,000 | 59,000 |
| Noninterest expense | 207,000 | 407,000 | 588,000 | 773,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -6,000 | -5,000 | -10,000 | -10,000 |
| Income tax | 0 | 0 | 0 | -5,000 |
| Net income | -6,000 | -5,000 | -10,000 | -5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,736,000 | 1,737,000 | 1,732,000 | 1,737,000 |
| Total capital | 1,858,000 | 1,855,000 | 1,849,000 | 1,852,000 |
| Risk-weighted assets | 9,717,000 | 9,450,000 | 9,474,000 | 9,196,000 |
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