Call reports 2010
BANK OF ELGIN — 2010
What BANK OF ELGIN reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 41,590,000 | 40,996,000 | 43,963,000 | 46,030,000 |
| Total loans | 25,345,000 | 27,134,000 | 30,163,000 | 29,481,000 |
| Allowance for loan losses | 376,000 | 391,000 | 406,000 | 411,000 |
| Securities available for sale | 4,394,000 | 3,714,000 | 3,769,000 | 5,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,090,000 | 33,823,000 | 34,096,000 | 35,915,000 |
| Interest-bearing deposits | 27,642,000 | 27,935,000 | 27,396,000 | 28,619,000 |
| Noninterest-bearing deposits | 6,448,000 | 5,888,000 | 6,700,000 | 7,296,000 |
| Equity capital | 4,194,000 | 4,333,000 | 4,443,000 | 4,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 454,000 | 925,000 | 1,402,000 | 1,859,000 |
| Interest expense | 140,000 | 274,000 | 402,000 | 513,000 |
| Net interest income | 314,000 | 651,000 | 1,000,000 | 1,346,000 |
| Noninterest income | 39,000 | 86,000 | 141,000 | 196,000 |
| Noninterest expense | 239,000 | 488,000 | 736,000 | 1,046,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 99,000 | 219,000 | 360,000 | 446,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 95,000 | 211,000 | 349,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,493,000 | 3,610,000 | 3,727,000 | 3,424,000 |
| Total capital | 3,840,000 | 3,971,000 | 4,132,000 | 3,824,000 |
| Risk-weighted assets | 27,766,000 | 28,812,000 | 32,373,000 | 32,024,000 |