Call reports 2006
ELBERFELD STATE BANK, THE — 2006
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 47,318,000 | 46,578,000 | 47,601,000 | 49,760,000 |
| Total loans | 31,130,000 | 30,985,000 | 32,051,000 | 32,327,000 |
| Allowance for loan losses | 317,000 | 353,000 | 378,000 | 405,000 |
| Securities available for sale | 8,576,000 | 9,051,000 | 9,501,000 | 9,373,000 |
| Securities held to maturity | 344,000 | 344,000 | 472,000 | 763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,039,000 | 39,454,000 | 38,544,000 | 41,453,000 |
| Interest-bearing deposits | 32,013,000 | 31,966,000 | 31,398,000 | 33,579,000 |
| Noninterest-bearing deposits | 8,026,000 | 7,488,000 | 7,146,000 | 7,874,000 |
| Equity capital | 4,578,000 | 4,535,000 | 4,714,000 | 4,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,330,000 | 2,029,000 | 2,768,000 |
| Interest expense | 214,000 | 441,000 | 679,000 | 956,000 |
| Net interest income | 442,000 | 889,000 | 1,350,000 | 1,812,000 |
| Noninterest income | 93,000 | 202,000 | 310,000 | 421,000 |
| Noninterest expense | 489,000 | 954,000 | 1,382,000 | 1,832,000 |
| Provision for loan losses | 45,000 | 110,000 | 168,000 | 213,000 |
| Pretax income | 1,000 | 27,000 | 110,000 | 188,000 |
| Income tax | -3,000 | -1,000 | 18,000 | 35,000 |
| Net income | 4,000 | 28,000 | 92,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,779,000 | 4,804,000 | 4,867,000 | 4,928,000 |
| Total capital | 5,096,000 | 5,157,000 | 5,245,000 | 5,333,000 |
| Risk-weighted assets | 32,711,000 | 32,431,000 | 32,990,000 | 33,857,000 |
Machine access — free, no API key
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