Call reports 2023
ELGIN STATE BANK — 2023
What ELGIN STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 27,787,000 | 28,498,000 | 28,665,000 | 29,763,000 |
| Total loans | 18,482,000 | 18,973,000 | 18,976,000 | 19,024,000 |
| Allowance for loan losses | 151,000 | 157,000 | 157,000 | 157,000 |
| Securities available for sale | 5,725,000 | 5,725,000 | 5,569,000 | 5,843,000 |
| Securities held to maturity | 290,000 | 220,000 | 220,000 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,957,000 | 27,639,000 | 27,950,000 | 28,741,000 |
| Interest-bearing deposits | 16,706,000 | 18,120,000 | 18,849,000 | 18,447,000 |
| Noninterest-bearing deposits | 10,251,000 | 9,519,000 | 9,101,000 | 10,294,000 |
| Equity capital | 810,000 | 799,000 | 654,000 | 907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 254,000 | 522,000 | 814,000 | 1,109,000 |
| Interest expense | 38,000 | 99,000 | 178,000 | 274,000 |
| Net interest income | 216,000 | 423,000 | 636,000 | 835,000 |
| Noninterest income | 11,000 | 23,000 | 34,000 | 45,000 |
| Noninterest expense | 231,000 | 459,000 | 682,000 | 917,000 |
| Provision for loan losses | 1,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 3,000 | -7,000 | -2,000 | -13,000 |
| Income tax | -1,000 | -1,000 | -1,000 | -1,000 |
| Net income | 4,000 | -6,000 | -1,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,895,000 | 1,884,000 | 1,890,000 | 1,879,000 |
| Total capital | 2,046,000 | 2,041,000 | 2,047,000 | 2,036,000 |
| Risk-weighted assets | 15,033,000 | 15,831,000 | 15,945,000 | 16,192,000 |
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