Call reports 2009
BANK OF ELGIN — 2009
What BANK OF ELGIN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 42,466,000 | 40,739,000 | 39,086,000 | 40,434,000 |
| Total loans | 26,059,000 | 26,869,000 | 27,096,000 | 25,112,000 |
| Allowance for loan losses | 361,000 | 361,000 | 361,000 | 361,000 |
| Securities available for sale | 6,476,000 | 4,722,000 | 4,362,000 | 4,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,916,000 | 32,021,000 | 31,326,000 | 32,650,000 |
| Interest-bearing deposits | 25,749,000 | 25,617,000 | 25,301,000 | 26,099,000 |
| Noninterest-bearing deposits | 7,168,000 | 6,405,000 | 6,025,000 | 6,551,000 |
| Equity capital | 3,947,000 | 4,095,000 | 4,296,000 | 4,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 517,000 | 1,030,000 | 1,536,000 | 2,006,000 |
| Interest expense | 192,000 | 381,000 | 532,000 | 679,000 |
| Net interest income | 325,000 | 649,000 | 1,004,000 | 1,327,000 |
| Noninterest income | 44,000 | 107,000 | 164,000 | 230,000 |
| Noninterest expense | 251,000 | 486,000 | 713,000 | 948,000 |
| Provision for loan losses | 201,000 | 201,000 | 201,000 | 201,000 |
| Pretax income | -83,000 | 69,000 | 254,000 | 408,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 15,000 |
| Net income | -87,000 | 62,000 | 243,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,278,000 | 3,427,000 | 3,583,000 | 3,398,000 |
| Total capital | 3,620,000 | 3,763,000 | 3,921,000 | 3,752,000 |
| Risk-weighted assets | 30,341,000 | 30,818,000 | 30,725,000 | 29,424,000 |