Call reports 2015
ELBERFELD STATE BANK, THE — 2015
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 72,935,000 | 72,958,000 | 74,375,000 | 77,992,000 |
| Total loans | 37,153,000 | 41,504,000 | 46,368,000 | 46,007,000 |
| Allowance for loan losses | 529,000 | 549,000 | 599,000 | 629,000 |
| Securities available for sale | 8,405,000 | 8,440,000 | 7,726,000 | 7,626,000 |
| Securities held to maturity | 9,282,000 | 10,354,000 | 9,842,000 | 9,344,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,790,000 | 64,694,000 | 65,938,000 | 69,466,000 |
| Interest-bearing deposits | 45,380,000 | 45,628,000 | 47,750,000 | 50,039,000 |
| Noninterest-bearing deposits | 19,411,000 | 19,066,000 | 18,188,000 | 19,427,000 |
| Equity capital | 7,616,000 | 7,649,000 | 7,931,000 | 7,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 576,000 | 1,232,000 | 1,916,000 | 2,631,000 |
| Interest expense | 59,000 | 120,000 | 186,000 | 257,000 |
| Net interest income | 517,000 | 1,112,000 | 1,730,000 | 2,374,000 |
| Noninterest income | 114,000 | 234,000 | 521,000 | 630,000 |
| Noninterest expense | 523,000 | 1,054,000 | 1,580,000 | 2,157,000 |
| Provision for loan losses | 0 | 20,000 | 70,000 | 100,000 |
| Pretax income | 108,000 | 272,000 | 601,000 | 747,000 |
| Income tax | 13,000 | 60,000 | 109,000 | 147,000 |
| Net income | 95,000 | 212,000 | 492,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,481,000 | 7,539,000 | 7,818,000 | 7,823,000 |
| Total capital | 7,970,000 | 8,078,000 | 8,373,000 | 8,383,000 |
| Risk-weighted assets | 39,070,000 | 43,071,000 | 44,330,000 | 44,716,000 |