Call reports 2004
BANK OF ELGIN — 2004
What BANK OF ELGIN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 40,694,000 | 39,347,000 | 40,734,000 | 39,933,000 |
| Total loans | 24,893,000 | 24,566,000 | 25,632,000 | 25,193,000 |
| Allowance for loan losses | 483,000 | 484,000 | 487,000 | 495,000 |
| Securities available for sale | 10,845,000 | 9,743,000 | 10,468,000 | 9,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,334,000 | 31,497,000 | 29,804,000 | 31,352,000 |
| Interest-bearing deposits | 27,266,000 | 26,442,000 | 24,852,000 | 24,753,000 |
| Noninterest-bearing deposits | 5,068,000 | 5,055,000 | 4,952,000 | 6,600,000 |
| Equity capital | 3,545,000 | 3,417,000 | 3,789,000 | 3,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 521,000 | 1,052,000 | 1,578,000 | 2,109,000 |
| Interest expense | 156,000 | 311,000 | 468,000 | 639,000 |
| Net interest income | 365,000 | 741,000 | 1,110,000 | 1,470,000 |
| Noninterest income | 63,000 | 102,000 | 155,000 | 233,000 |
| Noninterest expense | 205,000 | 461,000 | 655,000 | 945,000 |
| Provision for loan losses | 6,000 | 6,000 | 8,000 | 14,000 |
| Pretax income | 229,000 | 388,000 | 613,000 | 755,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 15,000 |
| Net income | 225,000 | 381,000 | 602,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,784,000 | 2,939,000 | 3,161,000 | 2,825,000 |
| Total capital | 3,144,000 | 3,290,000 | 3,528,000 | 3,182,000 |
| Risk-weighted assets | 28,677,000 | 27,930,000 | 29,225,000 | 28,442,000 |