Call reports 2011
BANK OF ELGIN — 2011
What BANK OF ELGIN reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 48,344,000 | 45,959,000 | 46,052,000 | 50,784,000 |
| Total loans | 28,323,000 | 29,427,000 | 34,073,000 | 34,319,000 |
| Allowance for loan losses | 411,000 | 366,000 | 366,000 | 366,000 |
| Securities available for sale | 8,708,000 | 8,205,000 | 4,632,000 | 4,994,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,618,000 | 37,623,000 | 36,884,000 | 41,504,000 |
| Interest-bearing deposits | 30,735,000 | 29,944,000 | 29,375,000 | 31,411,000 |
| Noninterest-bearing deposits | 8,883,000 | 7,679,000 | 7,509,000 | 10,093,000 |
| Equity capital | 4,150,000 | 4,403,000 | 4,589,000 | 4,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 452,000 | 934,000 | 1,436,000 | 1,928,000 |
| Interest expense | 103,000 | 200,000 | 292,000 | 380,000 |
| Net interest income | 349,000 | 734,000 | 1,144,000 | 1,548,000 |
| Noninterest income | 39,000 | 82,000 | 143,000 | 194,000 |
| Noninterest expense | 282,000 | 559,000 | 835,000 | 1,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 257,000 | 452,000 | 634,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 18,000 |
| Net income | 102,000 | 250,000 | 441,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,526,000 | 3,674,000 | 3,852,000 | 3,711,000 |
| Total capital | 3,923,000 | 4,008,000 | 4,137,000 | 4,077,000 |
| Risk-weighted assets | 31,752,000 | 31,826,000 | 35,677,000 | 36,154,000 |