Call reports 2002
ELGIN STATE BANK, THE — 2002
What ELGIN STATE BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 228,816,000 | 218,116,000 | 220,219,000 | 227,630,000 |
| Total loans | 135,343,000 | 131,292,000 | 133,559,000 | 131,575,000 |
| Allowance for loan losses | 1,308,000 | 1,421,000 | 1,722,000 | 1,192,000 |
| Securities available for sale | 67,245,000 | 61,399,000 | 52,689,000 | 64,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,557,000 | 185,637,000 | 188,360,000 | 185,228,000 |
| Interest-bearing deposits | 142,371,000 | 146,308,000 | 146,426,000 | 145,657,000 |
| Noninterest-bearing deposits | 42,186,000 | 39,329,000 | 41,934,000 | 39,571,000 |
| Equity capital | 17,237,000 | 18,144,000 | 18,591,000 | 18,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,151,000 | 6,227,000 | 9,119,000 | 11,923,000 |
| Interest expense | 1,350,000 | 2,658,000 | 3,863,000 | 4,895,000 |
| Net interest income | 1,801,000 | 3,569,000 | 5,256,000 | 7,028,000 |
| Noninterest income | 272,000 | 529,000 | 814,000 | 1,218,000 |
| Noninterest expense | 1,551,000 | 3,068,000 | 4,619,000 | 6,103,000 |
| Provision for loan losses | 150,000 | 300,000 | 600,000 | 1,100,000 |
| Pretax income | 372,000 | 739,000 | 896,000 | 1,343,000 |
| Income tax | 14,000 | 46,000 | 63,000 | 341,000 |
| Net income | 358,000 | 693,000 | 833,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,294,000 | 17,523,000 | 17,557,000 | 17,620,000 |
| Total capital | 18,602,000 | 18,944,000 | 19,279,000 | 18,812,000 |
| Risk-weighted assets | 163,003,000 | 158,093,000 | 159,487,000 | 162,407,000 |