Call reports 2004
ELGIN STATE BANK, THE — 2004
What ELGIN STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 224,033,000 | 224,657,000 | 226,104,000 | 237,578,000 |
| Total loans | 156,722,000 | 159,851,000 | 163,234,000 | 179,507,000 |
| Allowance for loan losses | 2,031,000 | 2,406,000 | 2,272,000 | 2,249,000 |
| Securities available for sale | 26,319,000 | 24,619,000 | 23,704,000 | 22,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,616,000 | 197,026,000 | 200,796,000 | 203,324,000 |
| Interest-bearing deposits | 156,063,000 | 151,838,000 | 154,550,000 | 153,908,000 |
| Noninterest-bearing deposits | 44,553,000 | 45,188,000 | 46,246,000 | 49,416,000 |
| Equity capital | 18,887,000 | 18,558,000 | 19,237,000 | 19,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,643,000 | 5,313,000 | 7,998,000 | 11,046,000 |
| Interest expense | 787,000 | 1,578,000 | 2,340,000 | 3,129,000 |
| Net interest income | 1,856,000 | 3,735,000 | 5,658,000 | 7,917,000 |
| Noninterest income | 410,000 | 821,000 | 1,231,000 | 1,611,000 |
| Noninterest expense | 1,798,000 | 3,574,000 | 5,316,000 | 7,205,000 |
| Provision for loan losses | 150,000 | 535,000 | 610,000 | 760,000 |
| Pretax income | 318,000 | 447,000 | 963,000 | 1,563,000 |
| Income tax | 70,000 | 64,000 | 210,000 | 390,000 |
| Net income | 248,000 | 383,000 | 753,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,417,000 | 18,446,000 | 18,816,000 | 19,023,000 |
| Total capital | 20,448,000 | 20,852,000 | 21,088,000 | 21,272,000 |
| Risk-weighted assets | 189,994,000 | 196,981,000 | 198,230,000 | 212,361,000 |