Call reports 2016
ELSA STATE BANK AND TRUST COMPANY — 2016
What ELSA STATE BANK AND TRUST COMPANY 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 | 191,575,000 | 194,664,000 | 192,316,000 | 191,561,000 |
| Total loans | 108,609,000 | 113,993,000 | 116,763,000 | 122,818,000 |
| Allowance for loan losses | 1,017,000 | 923,000 | 919,000 | 889,000 |
| Securities available for sale | 42,156,000 | 50,554,000 | 41,852,000 | 41,405,000 |
| Securities held to maturity | 12,245,000 | 11,944,000 | 10,717,000 | 10,462,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,072,000 | 174,521,000 | 171,545,000 | 167,809,000 |
| Interest-bearing deposits | 119,621,000 | 112,586,000 | 112,842,000 | 115,047,000 |
| Noninterest-bearing deposits | 52,451,000 | 61,935,000 | 58,703,000 | 52,762,000 |
| Equity capital | 18,524,000 | 18,961,000 | 19,410,000 | 18,759,000 |
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 | 2,254,000 | 4,653,000 | 7,108,000 | 9,534,000 |
| Interest expense | 161,000 | 320,000 | 481,000 | 648,000 |
| Net interest income | 2,093,000 | 4,333,000 | 6,627,000 | 8,886,000 |
| Noninterest income | 434,000 | 847,000 | 1,222,000 | 1,607,000 |
| Noninterest expense | 1,984,000 | 3,973,000 | 5,925,000 | 7,787,000 |
| Provision for loan losses | 0 | 105,000 | 115,000 | 115,000 |
| Pretax income | 543,000 | 1,102,000 | 1,809,000 | 2,591,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 543,000 | 1,102,000 | 1,809,000 | 2,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,362,000 | 18,570,000 | 19,026,000 | 19,509,000 |
| Total capital | 19,379,000 | 19,493,000 | 19,945,000 | 20,398,000 |
| Risk-weighted assets | 99,317,000 | 107,015,000 | 109,588,000 | 114,008,000 |