Call reports 2006
BANK OF ELGIN — 2006
What BANK OF ELGIN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 40,827,000 | 41,441,000 | 42,277,000 | 43,257,000 |
| Total loans | 27,296,000 | 28,431,000 | 28,403,000 | 26,769,000 |
| Allowance for loan losses | 512,000 | 514,000 | 511,000 | 513,000 |
| Securities available for sale | 9,554,000 | 9,323,000 | 9,279,000 | 8,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,503,000 | 29,324,000 | 29,005,000 | 30,771,000 |
| Interest-bearing deposits | 25,171,000 | 24,287,000 | 24,119,000 | 25,314,000 |
| Noninterest-bearing deposits | 5,332,000 | 5,037,000 | 4,886,000 | 5,457,000 |
| Equity capital | 3,581,000 | 3,713,000 | 4,087,000 | 3,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 638,000 | 1,306,000 | 2,027,000 | 2,747,000 |
| Interest expense | 225,000 | 475,000 | 766,000 | 1,060,000 |
| Net interest income | 413,000 | 831,000 | 1,261,000 | 1,687,000 |
| Noninterest income | 53,000 | 91,000 | 143,000 | 205,000 |
| Noninterest expense | 255,000 | 501,000 | 739,000 | 1,014,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 211,000 | 421,000 | 665,000 | 878,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 15,000 |
| Net income | 208,000 | 414,000 | 654,000 | 863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,200,000 | 3,407,000 | 3,647,000 | 3,156,000 |
| Total capital | 3,583,000 | 3,806,000 | 4,050,000 | 3,545,000 |
| Risk-weighted assets | 30,606,000 | 31,809,000 | 32,136,000 | 31,026,000 |