Call reports 2018
ELGIN STATE BANK — 2018
What ELGIN STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 24,400,000 | 24,042,000 | 24,414,000 | 25,203,000 |
| Total loans | 10,165,000 | 11,003,000 | 11,674,000 | 11,320,000 |
| Allowance for loan losses | 111,000 | 111,000 | 111,000 | 116,000 |
| Securities available for sale | 9,443,000 | 9,412,000 | 9,011,000 | 9,176,000 |
| Securities held to maturity | 822,000 | 766,000 | 766,000 | 766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,975,000 | 22,640,000 | 23,088,000 | 23,709,000 |
| Interest-bearing deposits | 14,729,000 | 14,859,000 | 15,593,000 | 15,575,000 |
| Noninterest-bearing deposits | 8,246,000 | 7,781,000 | 7,495,000 | 8,134,000 |
| Equity capital | 1,414,000 | 1,390,000 | 1,310,000 | 1,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 209,000 | 425,000 | 652,000 | 885,000 |
| Interest expense | 19,000 | 39,000 | 64,000 | 96,000 |
| Net interest income | 190,000 | 386,000 | 588,000 | 789,000 |
| Noninterest income | 15,000 | 29,000 | 43,000 | 64,000 |
| Noninterest expense | 209,000 | 413,000 | 608,000 | 810,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 6,000 |
| Pretax income | -8,000 | -3,000 | 13,000 | 28,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | -3,000 | 13,000 | 28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,801,000 | 1,806,000 | 1,822,000 | 1,832,000 |
| Total capital | 1,912,000 | 1,917,000 | 1,933,000 | 1,948,000 |
| Risk-weighted assets | 11,241,000 | 11,250,000 | 11,744,000 | 11,576,000 |