Call reports 2013
BANK OF ELGIN — 2013
What BANK OF ELGIN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,909,000 | 55,163,000 | 54,817,000 | 59,178,000 |
| Total loans | 34,633,000 | 36,779,000 | 38,799,000 | 42,774,000 |
| Allowance for loan losses | 411,000 | 426,000 | 398,000 | 406,000 |
| Securities available for sale | 4,400,000 | 3,969,000 | 4,333,000 | 4,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,562,000 | 48,369,000 | 46,857,000 | 49,306,000 |
| Interest-bearing deposits | 37,737,000 | 36,260,000 | 35,070,000 | 37,089,000 |
| Noninterest-bearing deposits | 13,825,000 | 12,109,000 | 11,787,000 | 12,217,000 |
| Equity capital | 4,937,000 | 5,030,000 | 5,264,000 | 5,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 948,000 | 1,439,000 | 1,942,000 |
| Interest expense | 50,000 | 109,000 | 161,000 | 208,000 |
| Net interest income | 423,000 | 839,000 | 1,278,000 | 1,734,000 |
| Noninterest income | 42,000 | 85,000 | 166,000 | 235,000 |
| Noninterest expense | 270,000 | 538,000 | 813,000 | 1,109,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 180,000 | 356,000 | 586,000 | 800,000 |
| Income tax | 5,000 | 11,000 | 16,000 | 23,000 |
| Net income | 175,000 | 345,000 | 570,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,218,000 | 4,382,000 | 4,608,000 | 4,815,000 |
| Total capital | 4,629,000 | 4,808,000 | 5,006,000 | 5,221,000 |
| Risk-weighted assets | 36,900,000 | 38,356,000 | 40,015,000 | 44,134,000 |