Call reports 2012
ELBERFELD STATE BANK, THE — 2012
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,264,000 | 61,351,000 | 59,960,000 | 60,039,000 |
| Total loans | 30,353,000 | 30,418,000 | 30,489,000 | 32,164,000 |
| Allowance for loan losses | 478,000 | 480,000 | 473,000 | 513,000 |
| Securities available for sale | 9,813,000 | 8,927,000 | 8,360,000 | 7,830,000 |
| Securities held to maturity | 7,183,000 | 7,180,000 | 7,319,000 | 8,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,997,000 | 53,544,000 | 52,521,000 | 52,331,000 |
| Interest-bearing deposits | 38,156,000 | 37,538,000 | 37,036,000 | 37,317,000 |
| Noninterest-bearing deposits | 15,841,000 | 16,005,000 | 15,485,000 | 15,014,000 |
| Equity capital | 6,763,000 | 6,862,000 | 7,024,000 | 7,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,195,000 | 1,769,000 | 2,350,000 |
| Interest expense | 83,000 | 160,000 | 230,000 | 299,000 |
| Net interest income | 530,000 | 1,035,000 | 1,539,000 | 2,051,000 |
| Noninterest income | 166,000 | 308,000 | 456,000 | 615,000 |
| Noninterest expense | 455,000 | 893,000 | 1,331,000 | 1,766,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 65,000 |
| Pretax income | 216,000 | 425,000 | 639,000 | 835,000 |
| Income tax | 65,000 | 109,000 | 165,000 | 214,000 |
| Net income | 151,000 | 316,000 | 474,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,485,000 | 6,591,000 | 6,748,000 | 6,840,000 |
| Total capital | 6,890,000 | 7,000,000 | 7,154,000 | 7,278,000 |
| Risk-weighted assets | 32,336,000 | 32,623,000 | 32,367,000 | 35,186,000 |