Call reports 2021
ELGIN STATE BANK — 2021
What ELGIN STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 28,002,000 | 32,175,000 | 29,088,000 | 30,292,000 |
| Total loans | 14,388,000 | 15,430,000 | 16,036,000 | 15,914,000 |
| Allowance for loan losses | 124,000 | 124,000 | 124,000 | 140,000 |
| Securities available for sale | 5,056,000 | 5,142,000 | 5,118,000 | 5,723,000 |
| Securities held to maturity | 493,000 | 395,000 | 395,000 | 395,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,288,000 | 30,337,000 | 27,288,000 | 28,558,000 |
| Interest-bearing deposits | 17,125,000 | 18,101,000 | 17,883,000 | 18,062,000 |
| Noninterest-bearing deposits | 9,163,000 | 12,236,000 | 9,405,000 | 10,496,000 |
| Equity capital | 1,701,000 | 1,825,000 | 1,787,000 | 1,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 269,000 | 537,000 | 754,000 | 971,000 |
| Interest expense | 22,000 | 45,000 | 68,000 | 88,000 |
| Net interest income | 247,000 | 492,000 | 686,000 | 883,000 |
| Noninterest income | 15,000 | 24,000 | 31,000 | 41,000 |
| Noninterest expense | 213,000 | 425,000 | 644,000 | 857,000 |
| Provision for loan losses | 0 | 0 | 0 | 22,000 |
| Pretax income | 59,000 | 101,000 | 87,000 | 65,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 101,000 | 87,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,885,000 | 1,927,000 | 1,913,000 | 1,892,000 |
| Total capital | 2,009,000 | 2,051,000 | 2,037,000 | 2,032,000 |
| Risk-weighted assets | 12,816,000 | 13,661,000 | 13,784,000 | 13,882,000 |