Call reports 2014
BANK OF ELGIN — 2014
What BANK OF ELGIN reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 57,077,000 | 59,280,000 | 57,943,000 | 60,073,000 |
| Total loans | 38,132,000 | 42,394,000 | 42,112,000 | 45,594,000 |
| Allowance for loan losses | 421,000 | 436,000 | 474,000 | 494,000 |
| Securities available for sale | 4,892,000 | 6,306,000 | 5,183,000 | 4,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,140,000 | 48,781,000 | 49,090,000 | 50,724,000 |
| Interest-bearing deposits | 35,479,000 | 35,705,000 | 36,424,000 | 36,347,000 |
| Noninterest-bearing deposits | 14,661,000 | 13,076,000 | 12,666,000 | 14,377,000 |
| Equity capital | 5,285,000 | 5,505,000 | 5,767,000 | 6,001,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 1,021,000 | 1,557,000 | 2,092,000 |
| Interest expense | 47,000 | 93,000 | 141,000 | 189,000 |
| Net interest income | 455,000 | 928,000 | 1,416,000 | 1,903,000 |
| Noninterest income | 47,000 | 87,000 | 171,000 | 259,000 |
| Noninterest expense | 276,000 | 561,000 | 845,000 | 1,157,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 211,000 | 424,000 | 697,000 | 945,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 205,000 | 412,000 | 679,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,625,000 | 4,832,000 | 5,098,000 | 5,341,000 |
| Total capital | 5,046,000 | 5,268,000 | 5,572,000 | 5,835,000 |
| Risk-weighted assets | 39,244,000 | 43,903,000 | 43,457,000 | 46,838,000 |