Call reports 2002
BANK OF ELGIN — 2002
What BANK OF ELGIN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 35,684,000 | 36,514,000 | 36,116,000 | 38,584,000 |
| Total loans | 22,768,000 | 24,094,000 | 24,503,000 | 23,594,000 |
| Allowance for loan losses | 318,000 | 325,000 | 328,000 | 342,000 |
| Securities available for sale | 9,143,000 | 8,873,000 | 7,522,000 | 9,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,757,000 | 28,786,000 | 28,856,000 | 30,338,000 |
| Interest-bearing deposits | 24,902,000 | 24,915,000 | 25,141,000 | 25,853,000 |
| Noninterest-bearing deposits | 3,855,000 | 3,871,000 | 3,715,000 | 4,485,000 |
| Equity capital | 3,046,000 | 3,254,000 | 3,455,000 | 3,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,038,000 | 1,545,000 | 2,058,000 |
| Interest expense | 251,000 | 479,000 | 698,000 | 911,000 |
| Net interest income | 268,000 | 559,000 | 847,000 | 1,147,000 |
| Noninterest income | 54,000 | 93,000 | 148,000 | 200,000 |
| Noninterest expense | 172,000 | 349,000 | 528,000 | 788,000 |
| Provision for loan losses | 17,000 | 23,000 | 29,000 | 35,000 |
| Pretax income | 141,000 | 291,000 | 449,000 | 539,000 |
| Income tax | 18,000 | 36,000 | 54,000 | 72,000 |
| Net income | 123,000 | 255,000 | 395,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,524,000 | 2,608,000 | 2,770,000 | 2,842,000 |
| Total capital | 2,842,000 | 2,933,000 | 3,098,000 | 3,184,000 |
| Risk-weighted assets | 26,022,000 | 27,246,000 | 27,534,000 | 27,288,000 |