Call reports 2020
ELGIN STATE BANK — 2020
What ELGIN STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 24,883,000 | 24,457,000 | 24,919,000 | 26,530,000 |
| Total loans | 11,969,000 | 13,131,000 | 13,680,000 | 13,191,000 |
| Allowance for loan losses | 116,000 | 116,000 | 116,000 | 124,000 |
| Securities available for sale | 5,809,000 | 3,801,000 | 4,343,000 | 4,612,000 |
| Securities held to maturity | 553,000 | 493,000 | 493,000 | 493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,029,000 | 22,601,000 | 23,065,000 | 24,719,000 |
| Interest-bearing deposits | 15,390,000 | 15,304,000 | 15,651,000 | 16,399,000 |
| Noninterest-bearing deposits | 7,639,000 | 7,297,000 | 7,414,000 | 8,320,000 |
| Equity capital | 1,829,000 | 1,829,000 | 1,834,000 | 1,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 219,000 | 420,000 | 642,000 | 841,000 |
| Interest expense | 31,000 | 62,000 | 90,000 | 116,000 |
| Net interest income | 188,000 | 358,000 | 552,000 | 725,000 |
| Noninterest income | 21,000 | 30,000 | 39,000 | 50,000 |
| Noninterest expense | 221,000 | 417,000 | 607,000 | 802,000 |
| Provision for loan losses | 0 | 0 | 0 | 8,000 |
| Pretax income | -12,000 | -6,000 | 6,000 | -8,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -12,000 | -6,000 | 6,000 | -8,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,822,000 | 1,828,000 | 1,841,000 | 1,827,000 |
| Total capital | 1,938,000 | 1,944,000 | 1,957,000 | 1,951,000 |
| Risk-weighted assets | 11,457,000 | 11,311,000 | 11,931,000 | 11,965,000 |