Call reports 2025
BANK OF ELGIN — 2025
What BANK OF ELGIN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 77,545,000 | 79,159,000 | 80,759,000 | 86,410,000 |
| Total loans | 51,839,000 | 54,994,000 | 56,001,000 | 60,271,000 |
| Allowance for loan losses | 675,000 | 690,000 | 720,000 | 750,000 |
| Securities available for sale | 15,728,000 | 14,741,000 | 14,299,000 | 14,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,352,000 | 65,841,000 | 68,173,000 | 73,501,000 |
| Interest-bearing deposits | 46,429,000 | 49,438,000 | 51,945,000 | 53,876,000 |
| Noninterest-bearing deposits | 17,923,000 | 16,403,000 | 16,228,000 | 19,625,000 |
| Equity capital | 10,669,000 | 11,163,000 | 11,826,000 | 12,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,068,000 | 2,135,000 | 3,255,000 | 4,406,000 |
| Interest expense | 246,000 | 495,000 | 760,000 | 1,027,000 |
| Net interest income | 822,000 | 1,640,000 | 2,495,000 | 3,379,000 |
| Noninterest income | 71,000 | 147,000 | 267,000 | 415,000 |
| Noninterest expense | 474,000 | 942,000 | 1,400,000 | 1,939,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 90,000 |
| Pretax income | 404,000 | 815,000 | 1,302,000 | 1,765,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 404,000 | 815,000 | 1,302,000 | 1,765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,408,000 | 10,813,000 | 11,284,000 | 11,732,000 |