Call reports 2012
BANK OF ELGIN — 2012
What BANK OF ELGIN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 50,293,000 | 50,471,000 | 50,865,000 | 55,892,000 |
| Total loans | 28,608,000 | 33,838,000 | 35,829,000 | 41,007,000 |
| Allowance for loan losses | 373,000 | 381,000 | 388,000 | 396,000 |
| Securities available for sale | 5,664,000 | 5,073,000 | 4,827,000 | 4,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,301,000 | 42,890,000 | 43,385,000 | 47,127,000 |
| Interest-bearing deposits | 31,564,000 | 31,274,000 | 33,026,000 | 34,230,000 |
| Noninterest-bearing deposits | 11,737,000 | 11,616,000 | 10,359,000 | 12,897,000 |
| Equity capital | 4,563,000 | 4,665,000 | 4,894,000 | 5,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 931,000 | 1,431,000 | 1,928,000 |
| Interest expense | 82,000 | 159,000 | 230,000 | 296,000 |
| Net interest income | 391,000 | 772,000 | 1,201,000 | 1,632,000 |
| Noninterest income | 39,000 | 21,000 | 85,000 | 164,000 |
| Noninterest expense | 292,000 | 545,000 | 810,000 | 1,096,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 131,000 | 233,000 | 453,000 | 670,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 20,000 |
| Net income | 127,000 | 224,000 | 440,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,838,000 | 3,935,000 | 4,144,000 | 4,353,000 |
| Total capital | 4,211,000 | 4,316,000 | 4,532,000 | 4,749,000 |
| Risk-weighted assets | 31,485,000 | 35,339,000 | 39,606,000 | 42,169,000 |