Call reports 2007
ELGIN STATE BANK, THE — 2007
What ELGIN STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 250,544,000 | 251,873,000 | 262,039,000 | 265,779,000 |
| Total loans | 203,110,000 | 207,485,000 | 216,266,000 | 213,444,000 |
| Allowance for loan losses | 2,127,000 | 2,126,000 | 2,084,000 | 2,076,000 |
| Securities available for sale | 20,056,000 | 19,730,000 | 19,848,000 | 19,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,045,000 | 222,251,000 | 227,117,000 | 232,206,000 |
| Interest-bearing deposits | 176,042,000 | 177,549,000 | 180,833,000 | 189,114,000 |
| Noninterest-bearing deposits | 44,003,000 | 44,702,000 | 46,284,000 | 43,092,000 |
| Equity capital | 23,238,000 | 23,439,000 | 24,298,000 | 25,188,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,133,000 | 8,149,000 | 12,359,000 | 16,554,000 |
| Interest expense | 1,708,000 | 3,417,000 | 5,210,000 | 7,056,000 |
| Net interest income | 2,425,000 | 4,732,000 | 7,149,000 | 9,498,000 |
| Noninterest income | 329,000 | 592,000 | 938,000 | 1,260,000 |
| Noninterest expense | 1,719,000 | 3,330,000 | 4,992,000 | 6,779,000 |
| Provision for loan losses | 0 | -20,000 | -20,000 | -568,000 |
| Pretax income | 1,035,000 | 2,014,000 | 3,115,000 | 4,547,000 |
| Income tax | 1,000 | 37,000 | 33,000 | 50,000 |
| Net income | 1,034,000 | 1,977,000 | 3,082,000 | 4,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,069,000 | 23,324,000 | 24,087,000 | 24,937,000 |
| Total capital | 25,196,000 | 25,450,000 | 26,171,000 | 27,013,000 |
| Risk-weighted assets | 229,551,000 | 227,540,000 | 236,238,000 | 236,893,000 |