Call reports 2003
ELGIN STATE BANK, THE — 2003
What ELGIN STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 215,247,000 | 219,040,000 | 226,727,000 | 218,559,000 |
| Total loans | 131,787,000 | 145,907,000 | 151,190,000 | 154,384,000 |
| Allowance for loan losses | 1,267,000 | 1,272,000 | 1,317,000 | 1,741,000 |
| Securities available for sale | 50,524,000 | 37,086,000 | 24,580,000 | 27,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,446,000 | 193,313,000 | 195,178,000 | 192,278,000 |
| Interest-bearing deposits | 147,923,000 | 148,435,000 | 149,100,000 | 149,488,000 |
| Noninterest-bearing deposits | 41,523,000 | 44,878,000 | 46,078,000 | 42,790,000 |
| Equity capital | 18,453,000 | 18,625,000 | 18,797,000 | 18,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,431,000 | 8,054,000 | 10,772,000 |
| Interest expense | 982,000 | 1,864,000 | 2,702,000 | 3,451,000 |
| Net interest income | 1,821,000 | 3,567,000 | 5,352,000 | 7,321,000 |
| Noninterest income | 472,000 | 987,000 | 1,539,000 | 1,988,000 |
| Noninterest expense | 1,694,000 | 3,538,000 | 5,350,000 | 7,104,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 950,000 |
| Pretax income | 819,000 | 1,161,000 | 1,484,000 | 1,423,000 |
| Income tax | 266,000 | 350,000 | 423,000 | 343,000 |
| Net income | 553,000 | 811,000 | 1,061,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,067,000 | 18,218,000 | 18,362,000 | 18,275,000 |
| Total capital | 19,334,000 | 19,490,000 | 19,679,000 | 20,016,000 |
| Risk-weighted assets | 160,758,000 | 171,489,000 | 179,047,000 | 183,170,000 |