Call reports 2022
ELGIN STATE BANK — 2022
What ELGIN STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 29,859,000 | 28,626,000 | 28,149,000 | 28,413,000 |
| Total loans | 16,362,000 | 16,598,000 | 18,294,000 | 18,720,000 |
| Allowance for loan losses | 140,000 | 140,000 | 140,000 | 150,000 |
| Securities available for sale | 5,602,000 | 5,955,000 | 5,668,000 | 5,643,000 |
| Securities held to maturity | 395,000 | 290,000 | 290,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,515,000 | 27,568,000 | 27,010,000 | 27,603,000 |
| Interest-bearing deposits | 18,051,000 | 18,114,000 | 17,305,000 | 17,537,000 |
| Noninterest-bearing deposits | 10,464,000 | 9,454,000 | 9,705,000 | 10,066,000 |
| Equity capital | 1,332,000 | 1,047,000 | 795,000 | 726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 218,000 | 444,000 | 688,000 | 943,000 |
| Interest expense | 19,000 | 38,000 | 58,000 | 80,000 |
| Net interest income | 199,000 | 406,000 | 630,000 | 863,000 |
| Noninterest income | 13,000 | 24,000 | 34,000 | 44,000 |
| Noninterest expense | 195,000 | 409,000 | 624,000 | 856,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 43,000 |
| Pretax income | 8,000 | 6,000 | 26,000 | 2,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 8,000 | 6,000 | 26,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,900,000 | 1,898,000 | 1,918,000 | 1,891,000 |
| Total capital | 2,040,000 | 2,038,000 | 2,058,000 | 2,041,000 |
| Risk-weighted assets | 14,338,000 | 14,126,000 | 15,177,000 | 15,015,000 |