Call reports 2016
ELGIN STATE BANK — 2016
What ELGIN STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 23,588,000 | 23,755,000 | 21,935,000 | 24,201,000 |
| Total loans | 8,408,000 | 8,690,000 | 9,044,000 | 8,648,000 |
| Allowance for loan losses | 112,000 | 112,000 | 111,000 | 111,000 |
| Securities available for sale | 9,902,000 | 10,518,000 | 9,163,000 | 10,150,000 |
| Securities held to maturity | 926,000 | 875,000 | 875,000 | 875,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,773,000 | 21,927,000 | 20,111,000 | 22,679,000 |
| Interest-bearing deposits | 14,496,000 | 14,584,000 | 14,406,000 | 14,824,000 |
| Noninterest-bearing deposits | 7,277,000 | 7,343,000 | 5,705,000 | 7,855,000 |
| Equity capital | 1,800,000 | 1,812,000 | 1,809,000 | 1,511,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 203,000 | 407,000 | 617,000 | 820,000 |
| Interest expense | 18,000 | 37,000 | 56,000 | 74,000 |
| Net interest income | 185,000 | 370,000 | 561,000 | 746,000 |
| Noninterest income | 19,000 | 31,000 | 44,000 | 56,000 |
| Noninterest expense | 201,000 | 401,000 | 587,000 | 786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 0 | 18,000 | 16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 0 | 18,000 | 16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,783,000 | 1,780,000 | 1,797,000 | 1,796,000 |
| Total capital | 1,895,000 | 1,892,000 | 1,908,000 | 1,907,000 |
| Risk-weighted assets | 9,041,000 | 9,313,000 | 9,410,000 | 9,695,000 |
Machine access — free, no API key
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