Call reports 2009
ELK STATE BANK — 2009
What ELK STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 46,009,000 | 47,490,000 | 46,774,000 | 46,741,000 |
| Total loans | 23,838,000 | 24,507,000 | 25,600,000 | 25,259,000 |
| Allowance for loan losses | 277,000 | 277,000 | 302,000 | 302,000 |
| Securities available for sale | 18,915,000 | 20,006,000 | 18,081,000 | 18,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,562,000 | 28,191,000 | 28,511,000 | 28,210,000 |
| Interest-bearing deposits | 22,468,000 | 23,776,000 | 24,277,000 | 24,036,000 |
| Noninterest-bearing deposits | 5,094,000 | 4,416,000 | 4,234,000 | 4,174,000 |
| Equity capital | 3,830,000 | 3,915,000 | 4,110,000 | 4,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 676,000 | 1,359,000 | 2,028,000 | 2,715,000 |
| Interest expense | 281,000 | 562,000 | 829,000 | 1,074,000 |
| Net interest income | 395,000 | 797,000 | 1,199,000 | 1,641,000 |
| Noninterest income | 29,000 | 54,000 | 79,000 | 103,000 |
| Noninterest expense | 364,000 | 735,000 | 1,120,000 | 1,504,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 25,000 |
| Pretax income | 60,000 | 161,000 | 218,000 | 325,000 |
| Income tax | 4,000 | -3,000 | 17,000 | 46,000 |
| Net income | 56,000 | 164,000 | 201,000 | 279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,726,000 | 3,834,000 | 3,873,000 | 3,863,000 |
| Total capital | 4,003,000 | 4,111,000 | 4,175,000 | 4,165,000 |
| Risk-weighted assets | 26,467,000 | 27,211,000 | 28,151,000 | 27,929,000 |
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