Call reports 2006
ELGIN STATE BANK, THE — 2006
What ELGIN STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 232,967,000 | 236,102,000 | 245,980,000 | 246,555,000 |
| Total loans | 182,005,000 | 182,653,000 | 185,879,000 | 202,649,000 |
| Allowance for loan losses | 2,334,000 | 2,280,000 | 2,257,000 | 2,117,000 |
| Securities available for sale | 18,667,000 | 18,394,000 | 18,260,000 | 20,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,192,000 | 207,899,000 | 215,699,000 | 214,185,000 |
| Interest-bearing deposits | 162,382,000 | 159,919,000 | 168,025,000 | 166,731,000 |
| Noninterest-bearing deposits | 44,810,000 | 47,980,000 | 47,674,000 | 47,454,000 |
| Equity capital | 21,728,000 | 21,498,000 | 22,520,000 | 22,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,323,000 | 6,942,000 | 10,832,000 | 14,778,000 |
| Interest expense | 1,211,000 | 2,541,000 | 4,037,000 | 5,639,000 |
| Net interest income | 2,112,000 | 4,401,000 | 6,795,000 | 9,139,000 |
| Noninterest income | 855,000 | 1,184,000 | 1,577,000 | 1,902,000 |
| Noninterest expense | 1,813,000 | 3,380,000 | 4,946,000 | 6,546,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,154,000 | 2,205,000 | 3,426,000 | 4,495,000 |
| Income tax | 47,000 | 149,000 | 103,000 | 431,000 |
| Net income | 1,107,000 | 2,056,000 | 3,323,000 | 4,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,624,000 | 21,498,000 | 22,417,000 | 22,618,000 |
| Total capital | 23,958,000 | 23,778,000 | 24,674,000 | 24,735,000 |
| Risk-weighted assets | 207,056,000 | 207,867,000 | 212,159,000 | 231,767,000 |