Call reports 2016
ELBERFELD STATE BANK, THE — 2016
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 80,639,000 | 81,224,000 | 81,431,000 | 83,272,000 |
| Total loans | 46,511,000 | 47,479,000 | 43,664,000 | 41,046,000 |
| Allowance for loan losses | 659,000 | 689,000 | 719,000 | 719,000 |
| Securities available for sale | 7,281,000 | 7,847,000 | 7,926,000 | 7,572,000 |
| Securities held to maturity | 9,470,000 | 9,430,000 | 10,254,000 | 13,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,952,000 | 72,521,000 | 72,577,000 | 74,401,000 |
| Interest-bearing deposits | 52,335,000 | 53,496,000 | 53,816,000 | 54,145,000 |
| Noninterest-bearing deposits | 19,617,000 | 19,025,000 | 18,761,000 | 20,256,000 |
| Equity capital | 8,099,000 | 8,171,000 | 8,290,000 | 8,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 709,000 | 1,440,000 | 2,129,000 | 2,807,000 |
| Interest expense | 71,000 | 149,000 | 230,000 | 303,000 |
| Net interest income | 638,000 | 1,291,000 | 1,899,000 | 2,504,000 |
| Noninterest income | 128,000 | 246,000 | 402,000 | 549,000 |
| Noninterest expense | 562,000 | 1,137,000 | 1,711,000 | 2,276,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 174,000 | 359,000 | 519,000 | 706,000 |
| Income tax | 44,000 | 95,000 | 138,000 | 191,000 |
| Net income | 130,000 | 264,000 | 381,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,946,000 | 8,020,000 | 8,139,000 | 8,241,000 |
| Total capital | 8,525,000 | 8,605,000 | 8,694,000 | 8,800,000 |
| Risk-weighted assets | 46,236,000 | 46,698,000 | 44,245,000 | 44,533,000 |