Call reports 2007
BANK OF ELGIN — 2007
What BANK OF ELGIN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 42,507,000 | 41,721,000 | 41,315,000 | 41,397,000 |
| Total loans | 25,931,000 | 27,973,000 | 29,677,000 | 28,184,000 |
| Allowance for loan losses | 514,000 | 529,000 | 530,000 | 531,000 |
| Securities available for sale | 7,565,000 | 7,173,000 | 7,019,000 | 5,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,480,000 | 30,500,000 | 29,875,000 | 29,884,000 |
| Interest-bearing deposits | 25,532,000 | 25,164,000 | 24,539,000 | 24,226,000 |
| Noninterest-bearing deposits | 5,948,000 | 5,336,000 | 5,336,000 | 5,657,000 |
| Equity capital | 3,877,000 | 4,037,000 | 4,373,000 | 3,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 719,000 | 1,429,000 | 2,141,000 | 2,851,000 |
| Interest expense | 285,000 | 571,000 | 856,000 | 1,133,000 |
| Net interest income | 434,000 | 858,000 | 1,285,000 | 1,718,000 |
| Noninterest income | 46,000 | 78,000 | 147,000 | 211,000 |
| Noninterest expense | 242,000 | 497,000 | 724,000 | 1,018,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 439,000 | 708,000 | 911,000 |
| Income tax | 3,000 | 6,000 | 12,000 | 14,000 |
| Net income | 235,000 | 433,000 | 696,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,390,000 | 3,589,000 | 3,852,000 | 3,289,000 |
| Total capital | 3,751,000 | 3,984,000 | 4,263,000 | 3,684,000 |
| Risk-weighted assets | 28,722,000 | 31,447,000 | 32,799,000 | 31,502,000 |