Call reports 2001
BANK OF ELGIN — 2001
What BANK OF ELGIN reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 33,302,000 | 33,656,000 | 35,435,000 | 38,264,000 |
| Total loans | 19,220,000 | 21,117,000 | 23,513,000 | 22,545,000 |
| Allowance for loan losses | 293,000 | 299,000 | 306,000 | 301,000 |
| Securities available for sale | 9,327,000 | 7,769,000 | 7,653,000 | 8,925,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,822,000 | 28,164,000 | 28,085,000 | 31,052,000 |
| Interest-bearing deposits | 24,461,000 | 24,802,000 | 24,455,000 | 24,581,000 |
| Noninterest-bearing deposits | 3,361,000 | 3,362,000 | 3,630,000 | 6,471,000 |
| Equity capital | 3,076,000 | 3,191,000 | 3,333,000 | 3,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,231,000 | 1,816,000 | 2,368,000 |
| Interest expense | 322,000 | 632,000 | 937,000 | 1,222,000 |
| Net interest income | 306,000 | 599,000 | 879,000 | 1,146,000 |
| Noninterest income | 49,000 | 90,000 | 157,000 | 201,000 |
| Noninterest expense | 196,000 | 401,000 | 617,000 | 900,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 134,000 | 264,000 | 389,000 | 414,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 74,000 |
| Net income | 116,000 | 228,000 | 335,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,357,000 | 2,498,000 | 2,635,000 | 2,656,000 |
| Total capital | 2,677,000 | 2,842,000 | 2,941,000 | 2,957,000 |
| Risk-weighted assets | 22,315,000 | 25,544,000 | 27,225,000 | 27,217,000 |