Call reports 2018
BANK OF ELGIN — 2018
What BANK OF ELGIN reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 59,625,000 | 61,997,000 | 61,931,000 | 61,334,000 |
| Total loans | 39,967,000 | 45,939,000 | 45,828,000 | 46,846,000 |
| Allowance for loan losses | 601,000 | 621,000 | 637,000 | 653,000 |
| Securities available for sale | 3,643,000 | 3,603,000 | 3,523,000 | 2,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,814,000 | 46,318,000 | 46,114,000 | 47,606,000 |
| Interest-bearing deposits | 33,802,000 | 31,771,000 | 32,190,000 | 31,755,000 |
| Noninterest-bearing deposits | 18,012,000 | 14,547,000 | 13,924,000 | 15,851,000 |
| Equity capital | 7,515,000 | 7,826,000 | 8,150,000 | 8,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,166,000 | 1,808,000 | 2,462,000 |
| Interest expense | 34,000 | 70,000 | 155,000 | 228,000 |
| Net interest income | 531,000 | 1,096,000 | 1,653,000 | 2,234,000 |
| Noninterest income | 62,000 | 119,000 | 221,000 | 348,000 |
| Noninterest expense | 281,000 | 575,000 | 881,000 | 1,251,000 |
| Provision for loan losses | 0 | 20,000 | 35,000 | 50,000 |
| Pretax income | 312,000 | 620,000 | 958,000 | 1,281,000 |
| Income tax | 6,000 | 0 | 0 | 0 |
| Net income | 306,000 | 620,000 | 958,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,003,000 | 7,317,000 | 7,655,000 | 7,978,000 |
| Total capital | 7,506,000 | 7,897,000 | 8,236,000 | 8,569,000 |
| Risk-weighted assets | 40,149,000 | 46,339,000 | 46,451,000 | 47,218,000 |