Call reports 2013
ELGIN STATE BANK — 2013
What ELGIN STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 24,009,000 | 23,993,000 | 22,278,000 | 24,114,000 |
| Total loans | 7,023,000 | 7,593,000 | 7,660,000 | 7,234,000 |
| Allowance for loan losses | 121,000 | 121,000 | 121,000 | 121,000 |
| Securities available for sale | 10,711,000 | 9,939,000 | 9,836,000 | 9,332,000 |
| Securities held to maturity | 897,000 | 733,000 | 1,013,000 | 1,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,223,000 | 22,692,000 | 20,778,000 | 23,078,000 |
| Interest-bearing deposits | 16,743,000 | 16,538,000 | 15,685,000 | 15,019,000 |
| Noninterest-bearing deposits | 5,480,000 | 6,154,000 | 5,093,000 | 8,059,000 |
| Equity capital | 1,767,000 | 1,281,000 | 1,204,000 | 1,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 195,000 | 403,000 | 610,000 | 815,000 |
| Interest expense | 29,000 | 57,000 | 84,000 | 110,000 |
| Net interest income | 166,000 | 346,000 | 526,000 | 705,000 |
| Noninterest income | 22,000 | 39,000 | 64,000 | 79,000 |
| Noninterest expense | 189,000 | 377,000 | 562,000 | 749,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 8,000 | 28,000 | 35,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,000 | 8,000 | 28,000 | 35,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,736,000 | 1,745,000 | 1,765,000 | 1,772,000 |
| Total capital | 1,849,000 | 1,865,000 | 1,886,000 | 1,892,000 |
| Risk-weighted assets | 9,048,000 | 9,567,000 | 9,758,000 | 9,585,000 |
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