Call reports 2024
ELGIN STATE BANK — 2024
What ELGIN STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 29,702,000 | 28,632,000 | 28,168,000 | 29,543,000 |
| Total loans | 18,828,000 | 19,184,000 | 19,075,000 | 19,214,000 |
| Allowance for loan losses | 157,000 | 157,000 | 148,000 | 138,000 |
| Securities available for sale | 5,817,000 | 5,849,000 | 6,081,000 | 5,269,000 |
| Securities held to maturity | 220,000 | 145,000 | 145,000 | 145,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,738,000 | 27,695,000 | 27,054,000 | 28,581,000 |
| Interest-bearing deposits | 18,369,000 | 18,123,000 | 18,207,000 | 18,522,000 |
| Noninterest-bearing deposits | 10,369,000 | 9,572,000 | 8,847,000 | 10,059,000 |
| Equity capital | 856,000 | 836,000 | 1,021,000 | 838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 605,000 | 914,000 | 1,234,000 |
| Interest expense | 111,000 | 238,000 | 367,000 | 507,000 |
| Net interest income | 190,000 | 367,000 | 547,000 | 727,000 |
| Noninterest income | 15,000 | 26,000 | 36,000 | 45,000 |
| Noninterest expense | 232,000 | 464,000 | 690,000 | 910,000 |
| Provision for loan losses | 0 | 0 | 6,000 | 6,000 |
| Pretax income | -26,000 | -77,000 | -116,000 | -143,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -26,000 | -77,000 | -116,000 | -143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,853,000 | 1,802,000 | 1,763,000 | 1,736,000 |
| Total capital | 2,010,000 | 1,959,000 | 1,911,000 | 1,874,000 |
| Risk-weighted assets | 15,896,000 | 15,834,000 | 15,789,000 | 16,480,000 |
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