Call reports 2019
BANK OF ELGIN — 2019
What BANK OF ELGIN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 59,178,000 | 58,265,000 | 56,571,000 | 61,328,000 |
| Total loans | 42,847,000 | 46,085,000 | 44,642,000 | 46,008,000 |
| Allowance for loan losses | 653,000 | 654,000 | 654,000 | 655,000 |
| Securities available for sale | 2,774,000 | 2,658,000 | 2,509,000 | 2,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,747,000 | 46,705,000 | 46,402,000 | 51,187,000 |
| Interest-bearing deposits | 32,689,000 | 33,395,000 | 32,882,000 | 33,424,000 |
| Noninterest-bearing deposits | 15,058,000 | 13,310,000 | 13,520,000 | 17,763,000 |
| Equity capital | 8,337,000 | 8,674,000 | 9,076,000 | 9,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 624,000 | 1,255,000 | 1,885,000 | 2,507,000 |
| Interest expense | 65,000 | 127,000 | 184,000 | 233,000 |
| Net interest income | 559,000 | 1,128,000 | 1,701,000 | 2,274,000 |
| Noninterest income | 49,000 | 95,000 | 226,000 | 322,000 |
| Noninterest expense | 297,000 | 609,000 | 917,000 | 1,273,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 311,000 | 614,000 | 1,010,000 | 1,323,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 311,000 | 614,000 | 1,010,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,789,000 | 8,092,000 | 8,488,000 | 8,801,000 |
| Total capital | 8,339,000 | 8,669,000 | 9,050,000 | 9,379,000 |
| Risk-weighted assets | 43,912,000 | 46,137,000 | 44,935,000 | 46,275,000 |