Call reports 2019
ELGIN STATE BANK — 2019
What ELGIN STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 25,523,000 | 24,198,000 | 22,873,000 | 24,289,000 |
| Total loans | 11,472,000 | 12,342,000 | 12,969,000 | 12,964,000 |
| Allowance for loan losses | 116,000 | 116,000 | 116,000 | 116,000 |
| Securities available for sale | 9,396,000 | 8,320,000 | 7,040,000 | 6,764,000 |
| Securities held to maturity | 766,000 | 553,000 | 553,000 | 553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,811,000 | 22,375,000 | 21,023,000 | 22,447,000 |
| Interest-bearing deposits | 15,899,000 | 15,021,000 | 14,847,000 | 15,319,000 |
| Noninterest-bearing deposits | 7,912,000 | 7,354,000 | 6,176,000 | 7,128,000 |
| Equity capital | 1,695,000 | 1,801,000 | 1,828,000 | 1,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 227,000 | 461,000 | 689,000 | 915,000 |
| Interest expense | 32,000 | 65,000 | 94,000 | 125,000 |
| Net interest income | 195,000 | 396,000 | 595,000 | 790,000 |
| Noninterest income | 18,000 | 29,000 | 45,000 | 60,000 |
| Noninterest expense | 202,000 | 422,000 | 628,000 | 840,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 11,000 | -1,000 | 7,000 | 4,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 10,000 | -2,000 | 6,000 | 3,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,841,000 | 1,829,000 | 1,837,000 | 1,835,000 |
| Total capital | 1,957,000 | 1,945,000 | 1,953,000 | 1,951,000 |
| Risk-weighted assets | 11,887,000 | 11,675,000 | 11,870,000 | 12,155,000 |