Call reports 2005
ELGIN STATE BANK, THE — 2005
What ELGIN STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 230,879,000 | 232,131,000 | 232,515,000 | 238,176,000 |
| Total loans | 167,371,000 | 176,014,000 | 172,812,000 | 174,766,000 |
| Allowance for loan losses | 2,426,000 | 2,498,000 | 2,493,000 | 2,339,000 |
| Securities available for sale | 21,142,000 | 20,676,000 | 19,623,000 | 19,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,674,000 | 205,169,000 | 207,175,000 | 211,212,000 |
| Interest-bearing deposits | 159,763,000 | 157,418,000 | 156,102,000 | 160,601,000 |
| Noninterest-bearing deposits | 47,911,000 | 47,751,000 | 51,073,000 | 50,611,000 |
| Equity capital | 20,372,000 | 20,760,000 | 21,041,000 | 21,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,991,000 | 6,120,000 | 9,351,000 | 12,630,000 |
| Interest expense | 843,000 | 1,728,000 | 2,745,000 | 3,903,000 |
| Net interest income | 2,148,000 | 4,392,000 | 6,606,000 | 8,727,000 |
| Noninterest income | 344,000 | 719,000 | 1,119,000 | 1,514,000 |
| Noninterest expense | 1,812,000 | 3,601,000 | 5,314,000 | 7,267,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 5,000 |
| Pretax income | 605,000 | 1,360,000 | 2,261,000 | 2,969,000 |
| Income tax | -568,000 | -652,000 | -581,000 | -550,000 |
| Net income | 1,173,000 | 2,012,000 | 2,842,000 | 3,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,090,000 | 20,421,000 | 20,855,000 | 20,956,000 |
| Total capital | 22,516,000 | 22,919,000 | 23,348,000 | 23,295,000 |
| Risk-weighted assets | 199,765,000 | 207,040,000 | 204,763,000 | 205,587,000 |