Call reports 2014
ELGIN STATE BANK — 2014
What ELGIN STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 25,134,000 | 24,249,000 | 21,695,000 | 23,407,000 |
| Total loans | 7,084,000 | 7,336,000 | 7,740,000 | 7,228,000 |
| Allowance for loan losses | 119,000 | 119,000 | 119,000 | 118,000 |
| Securities available for sale | 9,921,000 | 10,087,000 | 10,099,000 | 9,977,000 |
| Securities held to maturity | 1,013,000 | 948,000 | 948,000 | 948,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,872,000 | 22,823,000 | 20,251,000 | 21,815,000 |
| Interest-bearing deposits | 15,799,000 | 16,200,000 | 15,166,000 | 15,426,000 |
| Noninterest-bearing deposits | 8,073,000 | 6,623,000 | 5,085,000 | 6,389,000 |
| Equity capital | 1,248,000 | 1,410,000 | 1,430,000 | 1,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 194,000 | 404,000 | 609,000 | 812,000 |
| Interest expense | 24,000 | 49,000 | 71,000 | 95,000 |
| Net interest income | 170,000 | 355,000 | 538,000 | 717,000 |
| Noninterest income | 21,000 | 34,000 | 46,000 | 60,000 |
| Noninterest expense | 187,000 | 380,000 | 567,000 | 781,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 4,000 | 9,000 | 17,000 | -4,000 |
| Income tax | 2,000 | 3,000 | 4,000 | 4,000 |
| Net income | 2,000 | 6,000 | 13,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,774,000 | 1,778,000 | 1,785,000 | 1,764,000 |
| Total capital | 1,888,000 | 1,895,000 | 1,904,000 | 1,880,000 |
| Risk-weighted assets | 9,128,000 | 9,351,000 | 9,854,000 | 9,243,000 |
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