Call reports 2005
BANK OF ELGIN — 2005
What BANK OF ELGIN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,780,000 | 39,650,000 | 40,587,000 | 42,176,000 |
| Total loans | 24,212,000 | 25,450,000 | 26,599,000 | 26,788,000 |
| Allowance for loan losses | 514,000 | 511,000 | 513,000 | 513,000 |
| Securities available for sale | 10,673,000 | 10,476,000 | 10,209,000 | 9,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,745,000 | 30,904,000 | 30,166,000 | 33,388,000 |
| Interest-bearing deposits | 24,656,000 | 25,765,000 | 25,284,000 | 26,066,000 |
| Noninterest-bearing deposits | 5,090,000 | 5,139,000 | 4,882,000 | 7,322,000 |
| Equity capital | 3,435,000 | 3,721,000 | 3,864,000 | 3,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,093,000 | 1,687,000 | 2,336,000 |
| Interest expense | 173,000 | 367,000 | 582,000 | 805,000 |
| Net interest income | 358,000 | 726,000 | 1,105,000 | 1,531,000 |
| Noninterest income | 56,000 | 101,000 | 153,000 | 229,000 |
| Noninterest expense | 223,000 | 477,000 | 709,000 | 1,070,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 6,000 |
| Pretax income | 185,000 | 344,000 | 543,000 | 684,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 181,000 | 336,000 | 532,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,005,000 | 3,156,000 | 3,356,000 | 2,993,000 |
| Total capital | 3,350,000 | 3,516,000 | 3,732,000 | 3,375,000 |
| Risk-weighted assets | 27,441,000 | 28,646,000 | 29,973,000 | 30,499,000 |