Call reports 2015
ELK STATE BANK — 2015
What ELK STATE BANK 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 | 52,920,000 | 52,996,000 | 52,300,000 | 50,771,000 |
| Total loans | 25,865,000 | 26,014,000 | 27,448,000 | 26,975,000 |
| Allowance for loan losses | 408,000 | 424,000 | 383,000 | 385,000 |
| Securities available for sale | 25,264,000 | 23,832,000 | 22,907,000 | 22,044,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,787,000 | 40,993,000 | 40,613,000 | 37,479,000 |
| Interest-bearing deposits | 31,260,000 | 33,172,000 | 33,546,000 | 30,166,000 |
| Noninterest-bearing deposits | 10,527,000 | 7,821,000 | 7,067,000 | 7,313,000 |
| Equity capital | 4,156,000 | 4,033,000 | 4,091,000 | 4,123,000 |
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 | 480,000 | 963,000 | 1,446,000 | 1,932,000 |
| Interest expense | 73,000 | 148,000 | 222,000 | 296,000 |
| Net interest income | 407,000 | 815,000 | 1,224,000 | 1,636,000 |
| Noninterest income | 21,000 | 43,000 | 67,000 | 86,000 |
| Noninterest expense | 327,000 | 672,000 | 993,000 | 1,371,000 |
| Provision for loan losses | 95,000 | 110,000 | 150,000 | 150,000 |
| Pretax income | 29,000 | 103,000 | 175,000 | 228,000 |
| Income tax | -57,000 | -39,000 | -22,000 | -12,000 |
| Net income | 86,000 | 142,000 | 197,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,923,000 | 3,979,000 | 3,934,000 | 3,978,000 |
| Total capital | 4,217,000 | 4,269,000 | 4,238,000 | 4,277,000 |
| Risk-weighted assets | 23,416,000 | 23,064,000 | 24,243,000 | 23,825,000 |