Call reports 2020
ELBERFELD STATE BANK, THE — 2020
What ELBERFELD STATE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 82,057,000 | 88,237,000 | 88,538,000 | 86,524,000 |
| Total loans | 42,151,000 | 46,928,000 | 46,207,000 | 40,499,000 |
| Allowance for loan losses | 653,000 | 653,000 | 653,000 | 653,000 |
| Securities available for sale | 11,657,000 | 10,762,000 | 9,309,000 | 7,984,000 |
| Securities held to maturity | 8,225,000 | 8,037,000 | 7,318,000 | 6,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,327,000 | 77,068,000 | 77,402,000 | 75,407,000 |
| Interest-bearing deposits | 49,915,000 | 49,810,000 | 50,915,000 | 47,050,000 |
| Noninterest-bearing deposits | 21,412,000 | 27,258,000 | 26,487,000 | 28,357,000 |
| Equity capital | 9,897,000 | 10,289,000 | 10,233,000 | 10,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 703,000 | 1,669,000 | 2,291,000 | 2,867,000 |
| Interest expense | 102,000 | 185,000 | 252,000 | 322,000 |
| Net interest income | 601,000 | 1,484,000 | 2,039,000 | 2,545,000 |
| Noninterest income | 106,000 | 265,000 | 438,000 | 639,000 |
| Noninterest expense | 574,000 | 1,155,000 | 1,741,000 | 2,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 602,000 | 757,000 | 956,000 |
| Income tax | 23,000 | 129,000 | 158,000 | 199,000 |
| Net income | 110,000 | 473,000 | 599,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,850,000 | 10,034,000 | 10,001,000 | 10,036,000 |
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