Call reports 2001
ELGIN STATE BANK, THE — 2001
What ELGIN STATE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 190,238,000 | 188,270,000 | 195,379,000 | 223,799,000 |
| Total loans | 118,132,000 | 122,804,000 | 127,505,000 | 135,868,000 |
| Allowance for loan losses | 1,341,000 | 1,381,000 | 1,453,000 | 1,154,000 |
| Securities available for sale | 43,147,000 | 35,777,000 | 46,188,000 | 68,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,201,000 | 161,617,000 | 165,354,000 | 170,828,000 |
| Interest-bearing deposits | 125,376,000 | 123,781,000 | 127,619,000 | 131,512,000 |
| Noninterest-bearing deposits | 38,825,000 | 37,836,000 | 37,735,000 | 39,316,000 |
| Equity capital | 16,872,000 | 16,979,000 | 17,743,000 | 17,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,382,000 | 6,611,000 | 9,755,000 | 13,025,000 |
| Interest expense | 1,650,000 | 3,255,000 | 4,766,000 | 6,127,000 |
| Net interest income | 1,732,000 | 3,356,000 | 4,989,000 | 6,898,000 |
| Noninterest income | 233,000 | 498,000 | 777,000 | 1,119,000 |
| Noninterest expense | 1,360,000 | 2,796,000 | 4,251,000 | 5,728,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 360,000 |
| Pretax income | 545,000 | 923,000 | 1,305,000 | 1,929,000 |
| Income tax | 160,000 | 263,000 | 368,000 | 566,000 |
| Net income | 385,000 | 660,000 | 937,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,631,000 | 16,800,000 | 16,970,000 | 17,042,000 |
| Total capital | 17,972,000 | 18,181,000 | 18,423,000 | 18,196,000 |
| Risk-weighted assets | 137,487,000 | 142,053,000 | 149,022,000 | 160,237,000 |