Call reports 2015
ELSA STATE BANK AND TRUST COMPANY — 2015
What ELSA STATE BANK AND TRUST COMPANY 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 | 201,725,000 | 192,540,000 | 183,763,000 | 181,375,000 |
| Total loans | 93,685,000 | 97,475,000 | 95,997,000 | 103,580,000 |
| Allowance for loan losses | 857,000 | 837,000 | 925,000 | 935,000 |
| Securities available for sale | 49,897,000 | 57,341,000 | 52,906,000 | 43,793,000 |
| Securities held to maturity | 15,986,000 | 15,471,000 | 13,921,000 | 13,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,395,000 | 174,121,000 | 164,405,000 | 162,800,000 |
| Interest-bearing deposits | 133,788,000 | 126,020,000 | 115,141,000 | 114,779,000 |
| Noninterest-bearing deposits | 49,607,000 | 48,101,000 | 49,264,000 | 48,021,000 |
| Equity capital | 17,560,000 | 17,560,000 | 18,363,000 | 17,784,000 |
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 | 2,091,000 | 4,268,000 | 6,537,000 | 8,861,000 |
| Interest expense | 203,000 | 402,000 | 586,000 | 746,000 |
| Net interest income | 1,888,000 | 3,866,000 | 5,951,000 | 8,115,000 |
| Noninterest income | 433,000 | 885,000 | 1,347,000 | 1,759,000 |
| Noninterest expense | 1,876,000 | 3,681,000 | 5,499,000 | 7,412,000 |
| Provision for loan losses | 100,000 | 100,000 | 200,000 | 210,000 |
| Pretax income | 345,000 | 970,000 | 1,599,000 | 2,278,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 345,000 | 970,000 | 1,599,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,178,000 | 17,653,000 | 18,132,000 | 17,968,000 |
| Total capital | 18,035,000 | 18,490,000 | 19,057,000 | 18,903,000 |
| Risk-weighted assets | 98,753,000 | 94,724,000 | 89,427,000 | 95,987,000 |