Call reports 2008
ELGIN STATE BANK, THE — 2008
What ELGIN STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 263,575,000 | 269,582,000 | 274,245,000 | 284,813,000 |
| Total loans | 208,272,000 | 216,003,000 | 231,602,000 | 240,635,000 |
| Allowance for loan losses | 2,065,000 | 2,063,000 | 2,114,000 | 2,179,000 |
| Securities available for sale | 16,813,000 | 16,643,000 | 16,335,000 | 14,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,980,000 | 237,363,000 | 227,927,000 | 241,177,000 |
| Interest-bearing deposits | 188,136,000 | 187,620,000 | 175,915,000 | 193,857,000 |
| Noninterest-bearing deposits | 44,844,000 | 49,743,000 | 52,012,000 | 47,320,000 |
| Equity capital | 25,115,000 | 25,192,000 | 25,767,000 | 25,884,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,819,000 | 7,345,000 | 10,984,000 | 14,674,000 |
| Interest expense | 1,653,000 | 2,905,000 | 4,060,000 | 5,239,000 |
| Net interest income | 2,166,000 | 4,440,000 | 6,924,000 | 9,435,000 |
| Noninterest income | 318,000 | 683,000 | 1,017,000 | 1,297,000 |
| Noninterest expense | 1,776,000 | 3,657,000 | 5,475,000 | 7,506,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 125,000 |
| Pretax income | 708,000 | 1,466,000 | 2,416,000 | 3,101,000 |
| Income tax | 16,000 | -19,000 | -6,000 | 5,000 |
| Net income | 692,000 | 1,485,000 | 2,422,000 | 3,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,789,000 | 24,925,000 | 25,494,000 | 25,779,000 |
| Total capital | 26,854,000 | 26,988,000 | 27,608,000 | 27,958,000 |
| Risk-weighted assets | 232,187,000 | 239,798,000 | 252,480,000 | 259,960,000 |