Call reports 2015
BANK OF ELGIN — 2015
What BANK OF ELGIN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 58,455,000 | 59,753,000 | 56,935,000 | 60,379,000 |
| Total loans | 39,896,000 | 42,780,000 | 42,230,000 | 42,631,000 |
| Allowance for loan losses | 526,000 | 556,000 | 581,000 | 596,000 |
| Securities available for sale | 4,519,000 | 4,905,000 | 4,384,000 | 3,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,025,000 | 49,084,000 | 45,894,000 | 50,707,000 |
| Interest-bearing deposits | 35,663,000 | 36,043,000 | 34,712,000 | 34,772,000 |
| Noninterest-bearing deposits | 14,362,000 | 13,041,000 | 11,182,000 | 15,935,000 |
| Equity capital | 5,838,000 | 5,976,000 | 6,229,000 | 6,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 1,024,000 | 1,544,000 | 2,054,000 |
| Interest expense | 44,000 | 86,000 | 132,000 | 173,000 |
| Net interest income | 464,000 | 938,000 | 1,412,000 | 1,881,000 |
| Noninterest income | 53,000 | 95,000 | 189,000 | 285,000 |
| Noninterest expense | 300,000 | 608,000 | 903,000 | 1,205,000 |
| Provision for loan losses | 30,000 | 60,000 | 85,000 | 100,000 |
| Pretax income | 187,000 | 365,000 | 613,000 | 861,000 |
| Income tax | 4,000 | 12,000 | 17,000 | 21,000 |
| Net income | 183,000 | 353,000 | 596,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,164,000 | 5,334,000 | 5,578,000 | 5,821,000 |
| Total capital | 5,672,000 | 5,883,000 | 6,106,000 | 6,355,000 |
| Risk-weighted assets | 40,676,000 | 43,939,000 | 42,139,000 | 42,671,000 |