Call reports 2014
ELBERFELD STATE BANK, THE — 2014
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 65,562,000 | 66,985,000 | 67,101,000 | 68,239,000 |
| Total loans | 33,066,000 | 35,256,000 | 37,146,000 | 36,342,000 |
| Allowance for loan losses | 514,000 | 516,000 | 528,000 | 529,000 |
| Securities available for sale | 7,149,000 | 7,337,000 | 7,592,000 | 7,823,000 |
| Securities held to maturity | 8,793,000 | 8,591,000 | 8,688,000 | 8,261,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,736,000 | 59,131,000 | 59,076,000 | 60,253,000 |
| Interest-bearing deposits | 40,629,000 | 41,692,000 | 41,819,000 | 42,393,000 |
| Noninterest-bearing deposits | 17,107,000 | 17,439,000 | 17,257,000 | 17,860,000 |
| Equity capital | 7,376,000 | 7,403,000 | 7,499,000 | 7,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,098,000 | 1,687,000 | 2,278,000 |
| Interest expense | 53,000 | 106,000 | 158,000 | 216,000 |
| Net interest income | 492,000 | 992,000 | 1,529,000 | 2,062,000 |
| Noninterest income | 113,000 | 217,000 | 342,000 | 475,000 |
| Noninterest expense | 518,000 | 1,034,000 | 1,550,000 | 2,140,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 87,000 | 175,000 | 311,000 | 387,000 |
| Income tax | 9,000 | 17,000 | 46,000 | 51,000 |
| Net income | 78,000 | 158,000 | 265,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,210,000 | 7,231,000 | 7,338,000 | 7,349,000 |
| Total capital | 7,679,000 | 7,717,000 | 7,835,000 | 7,842,000 |
| Risk-weighted assets | 37,440,000 | 38,847,000 | 39,705,000 | 39,384,000 |
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