Call reports 2010
ELGIN STATE BANK, THE — 2010
What ELGIN STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 292,542,000 | 312,014,000 | 310,037,000 | 294,165,000 |
| Total loans | 221,676,000 | 210,120,000 | 200,101,000 | 186,310,000 |
| Allowance for loan losses | 4,897,000 | 4,934,000 | 3,923,000 | 4,846,000 |
| Securities available for sale | 15,948,000 | 27,521,000 | 30,666,000 | 26,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,063,000 | 273,214,000 | 273,639,000 | 263,986,000 |
| Interest-bearing deposits | 213,973,000 | 224,690,000 | 226,035,000 | 214,739,000 |
| Noninterest-bearing deposits | 47,090,000 | 48,524,000 | 47,604,000 | 49,247,000 |
| Equity capital | 23,315,000 | 23,316,000 | 23,399,000 | 18,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,281,000 | 6,234,000 | 9,247,000 | 12,191,000 |
| Interest expense | 778,000 | 1,574,000 | 2,419,000 | 3,143,000 |
| Net interest income | 2,503,000 | 4,660,000 | 6,828,000 | 9,048,000 |
| Noninterest income | 339,000 | 495,000 | 840,000 | 643,000 |
| Noninterest expense | 1,963,000 | 4,099,000 | 6,207,000 | 8,410,000 |
| Provision for loan losses | 75,000 | 320,000 | 495,000 | 5,061,000 |
| Pretax income | 804,000 | 736,000 | 966,000 | -3,780,000 |
| Income tax | 12,000 | 11,000 | 14,000 | 0 |
| Net income | 792,000 | 725,000 | 952,000 | -3,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,099,000 | 23,032,000 | 23,258,000 | 18,526,000 |
| Total capital | 26,221,000 | 29,487,000 | 29,639,000 | 24,587,000 |
| Risk-weighted assets | 247,962,000 | 234,458,000 | 229,422,000 | 202,622,000 |