Call reports 2007
ELBERFELD STATE BANK, THE — 2007
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 50,748,000 | 50,907,000 | 51,595,000 | 52,285,000 |
| Total loans | 32,030,000 | 33,028,000 | 32,578,000 | 31,898,000 |
| Allowance for loan losses | 414,000 | 427,000 | 429,000 | 425,000 |
| Securities available for sale | 9,536,000 | 9,619,000 | 10,195,000 | 10,891,000 |
| Securities held to maturity | 859,000 | 1,220,000 | 1,729,000 | 2,192,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,448,000 | 42,672,000 | 43,156,000 | 43,767,000 |
| Interest-bearing deposits | 34,308,000 | 35,259,000 | 35,888,000 | 36,246,000 |
| Noninterest-bearing deposits | 8,140,000 | 7,413,000 | 7,268,000 | 7,521,000 |
| Equity capital | 4,769,000 | 4,698,000 | 4,856,000 | 4,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,498,000 | 2,279,000 | 3,057,000 |
| Interest expense | 297,000 | 615,000 | 948,000 | 1,294,000 |
| Net interest income | 439,000 | 883,000 | 1,331,000 | 1,763,000 |
| Noninterest income | 116,000 | 219,000 | 342,000 | 470,000 |
| Noninterest expense | 429,000 | 853,000 | 1,293,000 | 1,718,000 |
| Provision for loan losses | 40,000 | 65,000 | 90,000 | 115,000 |
| Pretax income | 86,000 | 184,000 | 290,000 | 400,000 |
| Income tax | 22,000 | 63,000 | 101,000 | 136,000 |
| Net income | 64,000 | 121,000 | 189,000 | 264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,872,000 | 4,880,000 | 4,948,000 | 4,938,000 |
| Total capital | 5,286,000 | 5,307,000 | 5,377,000 | 5,363,000 |
| Risk-weighted assets | 33,652,000 | 34,496,000 | 34,337,000 | 35,184,000 |
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