Call reports 2009
ELBERFELD STATE BANK, THE — 2009
What ELBERFELD 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 | 55,868,000 | 54,235,000 | 53,658,000 | 54,742,000 |
| Total loans | 28,797,000 | 29,463,000 | 27,740,000 | 28,036,000 |
| Allowance for loan losses | 429,000 | 440,000 | 445,000 | 448,000 |
| Securities available for sale | 12,824,000 | 12,466,000 | 12,266,000 | 11,613,000 |
| Securities held to maturity | 4,957,000 | 5,766,000 | 6,285,000 | 6,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,963,000 | 43,789,000 | 44,458,000 | 46,432,000 |
| Interest-bearing deposits | 37,877,000 | 34,994,000 | 35,668,000 | 36,587,000 |
| Noninterest-bearing deposits | 10,086,000 | 8,795,000 | 8,791,000 | 9,844,000 |
| Equity capital | 5,424,000 | 5,476,000 | 5,682,000 | 5,760,000 |
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 | 743,000 | 1,448,000 | 2,126,000 | 2,774,000 |
| Interest expense | 243,000 | 458,000 | 648,000 | 834,000 |
| Net interest income | 500,000 | 990,000 | 1,478,000 | 1,940,000 |
| Noninterest income | 236,000 | 447,000 | 591,000 | 824,000 |
| Noninterest expense | 478,000 | 951,000 | 1,425,000 | 1,909,000 |
| Provision for loan losses | 40,000 | 60,000 | 80,000 | 120,000 |
| Pretax income | 218,000 | 426,000 | 564,000 | 735,000 |
| Income tax | 65,000 | 120,000 | 148,000 | 187,000 |
| Net income | 153,000 | 306,000 | 416,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,175,000 | 5,267,000 | 5,376,000 | 5,441,000 |
| Total capital | 5,587,000 | 5,667,000 | 5,748,000 | 5,818,000 |
| Risk-weighted assets | 32,902,000 | 31,943,000 | 29,719,000 | 30,050,000 |
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