Call reports 2023
BANK OF ELGIN — 2023
What BANK OF ELGIN reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 75,921,000 | 73,178,000 | 73,267,000 | 86,299,000 |
| Total loans | 38,423,000 | 40,122,000 | 44,007,000 | 51,996,000 |
| Allowance for loan losses | 660,000 | 660,000 | 660,000 | 660,000 |
| Securities available for sale | 8,445,000 | 8,336,000 | 10,741,000 | 16,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,810,000 | 63,712,000 | 63,461,000 | 73,954,000 |
| Interest-bearing deposits | 43,001,000 | 43,315,000 | 45,374,000 | 49,731,000 |
| Noninterest-bearing deposits | 23,809,000 | 20,397,000 | 18,087,000 | 24,223,000 |
| Equity capital | 9,011,000 | 9,287,000 | 9,514,000 | 10,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,549,000 | 2,377,000 | 3,304,000 |
| Interest expense | 80,000 | 197,000 | 344,000 | 523,000 |
| Net interest income | 681,000 | 1,352,000 | 2,033,000 | 2,781,000 |
| Noninterest income | 76,000 | 124,000 | 240,000 | 385,000 |
| Noninterest expense | 473,000 | 850,000 | 1,233,000 | 1,670,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 284,000 | 626,000 | 1,040,000 | 1,496,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 284,000 | 626,000 | 1,040,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,249,000 | 9,593,000 | 10,006,000 | 10,063,000 |