Call reports 2019
ELBERFELD STATE BANK, THE — 2019
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 82,013,000 | 79,990,000 | 80,240,000 | 80,929,000 |
| Total loans | 48,020,000 | 48,154,000 | 46,156,000 | 43,954,000 |
| Allowance for loan losses | 719,000 | 633,000 | 653,000 | 653,000 |
| Securities available for sale | 8,099,000 | 9,188,000 | 10,824,000 | 11,086,000 |
| Securities held to maturity | 10,720,000 | 10,130,000 | 9,043,000 | 7,980,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,797,000 | 69,699,000 | 69,701,000 | 70,326,000 |
| Interest-bearing deposits | 49,823,000 | 48,307,000 | 48,229,000 | 48,024,000 |
| Noninterest-bearing deposits | 21,975,000 | 21,392,000 | 21,472,000 | 22,302,000 |
| Equity capital | 9,422,000 | 9,553,000 | 9,750,000 | 9,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 779,000 | 1,477,000 | 2,268,000 | 3,024,000 |
| Interest expense | 89,000 | 185,000 | 281,000 | 379,000 |
| Net interest income | 690,000 | 1,292,000 | 1,987,000 | 2,645,000 |
| Noninterest income | 92,000 | 201,000 | 319,000 | 423,000 |
| Noninterest expense | 564,000 | 1,149,000 | 1,715,000 | 2,258,000 |
| Provision for loan losses | 0 | 10,000 | 30,000 | 30,000 |
| Pretax income | 218,000 | 334,000 | 561,000 | 780,000 |
| Income tax | 42,000 | 58,000 | 104,000 | 148,000 |
| Net income | 176,000 | 276,000 | 457,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,422,000 | 9,462,000 | 9,644,000 | 9,739,000 |
| Total capital | 10,089,000 | 10,110,000 | 10,312,000 | 10,359,000 |
| Risk-weighted assets | 53,312,000 | 54,273,000 | 54,273,000 | 49,575,000 |