Call reports 2014
ELSA STATE BANK AND TRUST COMPANY — 2014
What ELSA STATE BANK AND TRUST COMPANY 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 | 188,793,000 | 191,463,000 | 187,431,000 | 191,299,000 |
| Total loans | 91,374,000 | 90,826,000 | 88,419,000 | 93,127,000 |
| Allowance for loan losses | 1,018,000 | 938,000 | 782,000 | 784,000 |
| Securities available for sale | 41,334,000 | 44,398,000 | 50,329,000 | 49,179,000 |
| Securities held to maturity | 21,202,000 | 20,043,000 | 17,685,000 | 17,217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,964,000 | 173,955,000 | 169,603,000 | 173,600,000 |
| Interest-bearing deposits | 130,374,000 | 130,649,000 | 127,917,000 | 129,706,000 |
| Noninterest-bearing deposits | 41,591,000 | 43,306,000 | 41,686,000 | 43,895,000 |
| Equity capital | 16,150,000 | 16,753,000 | 16,928,000 | 17,037,000 |
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 | 2,112,000 | 4,207,000 | 6,269,000 | 8,379,000 |
| Interest expense | 204,000 | 407,000 | 611,000 | 815,000 |
| Net interest income | 1,908,000 | 3,800,000 | 5,658,000 | 7,564,000 |
| Noninterest income | 451,000 | 860,000 | 1,386,000 | 1,857,000 |
| Noninterest expense | 1,758,000 | 3,586,000 | 5,389,000 | 7,276,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 350,000 |
| Pretax income | 501,000 | 974,000 | 1,455,000 | 1,795,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 501,000 | 974,000 | 1,455,000 | 1,795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,394,000 | 16,713,000 | 17,043,000 | 16,983,000 |
| Total capital | 17,412,000 | 17,651,000 | 17,825,000 | 17,767,000 |
| Risk-weighted assets | 109,855,000 | 109,701,000 | 105,926,000 | 110,185,000 |