Call reports 2015
ELGIN STATE BANK — 2015
What ELGIN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 24,478,000 | 23,260,000 | 22,974,000 | 23,285,000 |
| Total loans | 7,477,000 | 7,649,000 | 8,067,000 | 8,085,000 |
| Allowance for loan losses | 118,000 | 112,000 | 112,000 | 112,000 |
| Securities available for sale | 10,057,000 | 9,927,000 | 10,365,000 | 10,271,000 |
| Securities held to maturity | 948,000 | 926,000 | 926,000 | 926,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,767,000 | 21,585,000 | 20,954,000 | 21,631,000 |
| Interest-bearing deposits | 15,223,000 | 15,750,000 | 15,830,000 | 14,393,000 |
| Noninterest-bearing deposits | 7,544,000 | 5,835,000 | 5,124,000 | 7,238,000 |
| Equity capital | 1,698,000 | 1,517,000 | 1,707,000 | 1,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 199,000 | 402,000 | 611,000 | 818,000 |
| Interest expense | 22,000 | 43,000 | 64,000 | 83,000 |
| Net interest income | 177,000 | 359,000 | 547,000 | 735,000 |
| Noninterest income | 18,000 | 28,000 | 41,000 | 54,000 |
| Noninterest expense | 194,000 | 391,000 | 584,000 | 770,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -2,000 | -7,000 | 1,000 | 16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | -7,000 | 1,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,761,000 | 1,756,000 | 1,765,000 | 1,780,000 |
| Total capital | 1,865,000 | 1,861,000 | 1,877,000 | 1,892,000 |
| Risk-weighted assets | 8,373,000 | 8,439,000 | 8,986,000 | 9,033,000 |