Call reports 2003
BANK OF ELGIN — 2003
What BANK OF ELGIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 38,627,000 | 40,326,000 | 39,656,000 | 42,679,000 |
| Total loans | 23,736,000 | 25,878,000 | 26,738,000 | 24,783,000 |
| Allowance for loan losses | 358,000 | 389,000 | 414,000 | 428,000 |
| Securities available for sale | 8,297,000 | 8,490,000 | 8,041,000 | 10,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,018,000 | 32,233,000 | 31,168,000 | 32,892,000 |
| Interest-bearing deposits | 25,908,000 | 27,429,000 | 26,633,000 | 27,336,000 |
| Noninterest-bearing deposits | 5,110,000 | 4,804,000 | 4,535,000 | 5,556,000 |
| Equity capital | 3,297,000 | 3,483,000 | 3,473,000 | 3,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 496,000 | 965,000 | 1,482,000 | 1,990,000 |
| Interest expense | 202,000 | 397,000 | 585,000 | 748,000 |
| Net interest income | 294,000 | 568,000 | 897,000 | 1,242,000 |
| Noninterest income | 61,000 | 106,000 | 158,000 | 222,000 |
| Noninterest expense | 215,000 | 407,000 | 583,000 | 897,000 |
| Provision for loan losses | 14,000 | 44,000 | 58,000 | 64,000 |
| Pretax income | 126,000 | 223,000 | 414,000 | 503,000 |
| Income tax | 33,000 | 67,000 | 101,000 | 119,000 |
| Net income | 93,000 | 156,000 | 313,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,605,000 | 2,670,000 | 2,828,000 | 2,899,000 |
| Total capital | 2,946,000 | 3,037,000 | 3,204,000 | 3,264,000 |
| Risk-weighted assets | 27,318,000 | 29,308,000 | 30,054,000 | 29,154,000 |