Call reports 2011
ELGIN STATE BANK, THE — 2011
What ELGIN STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Total assets | 288,346,000 | 276,803,000 |
| Total loans | 174,722,000 | 164,669,000 |
| Allowance for loan losses | 4,608,000 | 4,270,000 |
| Securities available for sale | 24,316,000 | 23,360,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 258,893,000 | 248,747,000 |
| Interest-bearing deposits | 207,784,000 | 194,594,000 |
| Noninterest-bearing deposits | 51,109,000 | 54,153,000 |
| Equity capital | 18,562,000 | 18,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Interest income | 2,652,000 | 5,243,000 |
| Interest expense | 592,000 | 1,115,000 |
| Net interest income | 2,060,000 | 4,128,000 |
| Noninterest income | 113,000 | 287,000 |
| Noninterest expense | 2,076,000 | 4,033,000 |
| Provision for loan losses | 85,000 | 85,000 |
| Pretax income | 12,000 | 297,000 |
| Income tax | 0 | 4,000 |
| Net income | 12,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 |
|---|---|---|
| Tier 1 capital | 18,538,000 | 18,819,000 |
| Total capital | 24,470,000 | 24,666,000 |
| Risk-weighted assets | 192,413,000 | 185,871,000 |