Call reports 2009
ELGIN STATE BANK, THE — 2009
What ELGIN STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 281,042,000 | 286,233,000 | 293,247,000 | 285,724,000 |
| Total loans | 236,669,000 | 238,673,000 | 236,069,000 | 232,396,000 |
| Allowance for loan losses | 2,251,000 | 2,293,000 | 2,517,000 | 4,995,000 |
| Securities available for sale | 14,670,000 | 14,564,000 | 14,627,000 | 11,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,095,000 | 249,012,000 | 257,421,000 | 256,963,000 |
| Interest-bearing deposits | 198,509,000 | 203,826,000 | 214,673,000 | 211,326,000 |
| Noninterest-bearing deposits | 45,586,000 | 45,186,000 | 42,748,000 | 45,637,000 |
| Equity capital | 26,714,000 | 26,812,000 | 26,299,000 | 20,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,570,000 | 7,247,000 | 10,769,000 | 14,235,000 |
| Interest expense | 1,009,000 | 1,945,000 | 2,874,000 | 3,760,000 |
| Net interest income | 2,561,000 | 5,302,000 | 7,895,000 | 10,475,000 |
| Noninterest income | 316,000 | 705,000 | 1,056,000 | 1,317,000 |
| Noninterest expense | 1,903,000 | 3,935,000 | 5,974,000 | 7,822,000 |
| Provision for loan losses | 75,000 | 185,000 | 1,365,000 | 7,815,000 |
| Pretax income | 899,000 | 1,887,000 | 1,612,000 | -3,845,000 |
| Income tax | 12,000 | 29,000 | 24,000 | 0 |
| Net income | 887,000 | 1,858,000 | 1,588,000 | -3,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,405,000 | 26,608,000 | 26,029,000 | 20,596,000 |
| Total capital | 28,656,000 | 28,901,000 | 28,546,000 | 23,771,000 |
| Risk-weighted assets | 256,620,000 | 260,814,000 | 259,614,000 | 252,189,000 |