Call reports 2013
ELBERFELD STATE BANK, THE — 2013
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 62,290,000 | 61,320,000 | 63,803,000 | 63,859,000 |
| Total loans | 31,478,000 | 34,435,000 | 33,866,000 | 32,914,000 |
| Allowance for loan losses | 533,000 | 478,000 | 510,000 | 512,000 |
| Securities available for sale | 7,214,000 | 6,651,000 | 6,276,000 | 5,930,000 |
| Securities held to maturity | 7,725,000 | 8,350,000 | 7,612,000 | 7,736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,465,000 | 53,672,000 | 56,131,000 | 56,080,000 |
| Interest-bearing deposits | 38,486,000 | 38,294,000 | 39,425,000 | 39,884,000 |
| Noninterest-bearing deposits | 15,979,000 | 15,378,000 | 16,706,000 | 16,197,000 |
| Equity capital | 7,192,000 | 7,199,000 | 7,296,000 | 7,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 565,000 | 1,135,000 | 1,748,000 | 2,304,000 |
| Interest expense | 60,000 | 116,000 | 172,000 | 228,000 |
| Net interest income | 505,000 | 1,019,000 | 1,576,000 | 2,076,000 |
| Noninterest income | 149,000 | 290,000 | 421,000 | 615,000 |
| Noninterest expense | 464,000 | 976,000 | 1,497,000 | 2,129,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 60,000 |
| Pretax income | 170,000 | 293,000 | 440,000 | 502,000 |
| Income tax | 39,000 | 59,000 | 90,000 | 88,000 |
| Net income | 131,000 | 234,000 | 350,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,970,000 | 7,016,000 | 7,132,000 | 7,132,000 |
| Total capital | 7,402,000 | 7,488,000 | 7,606,000 | 7,599,000 |
| Risk-weighted assets | 34,634,000 | 37,746,000 | 37,895,000 | 37,316,000 |