Call reports 2010
ELBERFELD STATE BANK, THE — 2010
What ELBERFELD 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 | 55,487,000 | 55,958,000 | 56,923,000 | 56,947,000 |
| Total loans | 26,346,000 | 26,880,000 | 27,113,000 | 26,563,000 |
| Allowance for loan losses | 456,000 | 448,000 | 448,000 | 458,000 |
| Securities available for sale | 11,821,000 | 11,582,000 | 12,159,000 | 10,491,000 |
| Securities held to maturity | 7,226,000 | 8,571,000 | 8,896,000 | 8,915,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,078,000 | 47,503,000 | 48,258,000 | 50,238,000 |
| Interest-bearing deposits | 36,712,000 | 37,452,000 | 37,421,000 | 39,237,000 |
| Noninterest-bearing deposits | 10,366,000 | 10,051,000 | 10,838,000 | 11,001,000 |
| Equity capital | 5,885,000 | 5,981,000 | 6,115,000 | 6,173,000 |
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 | 626,000 | 1,240,000 | 1,881,000 | 2,518,000 |
| Interest expense | 178,000 | 351,000 | 517,000 | 662,000 |
| Net interest income | 448,000 | 889,000 | 1,364,000 | 1,856,000 |
| Noninterest income | 140,000 | 258,000 | 451,000 | 611,000 |
| Noninterest expense | 430,000 | 867,000 | 1,303,000 | 1,733,000 |
| Provision for loan losses | 7,000 | 15,000 | 30,000 | 30,000 |
| Pretax income | 151,000 | 267,000 | 484,000 | 706,000 |
| Income tax | 30,000 | 39,000 | 102,000 | 157,000 |
| Net income | 121,000 | 228,000 | 382,000 | 549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,561,000 | 5,610,000 | 5,764,000 | 5,871,000 |
| Total capital | 5,930,000 | 5,971,000 | 6,150,000 | 6,237,000 |
| Risk-weighted assets | 29,512,000 | 30,187,000 | 30,812,000 | 29,168,000 |
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