Call reports 2018
ELK STATE BANK — 2018
What ELK STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 97,160,000 | 94,455,000 | 97,207,000 | 97,605,000 |
| Total loans | 56,847,000 | 57,011,000 | 60,567,000 | 60,039,000 |
| Allowance for loan losses | 797,000 | 833,000 | 848,000 | 861,000 |
| Securities available for sale | 35,355,000 | 32,858,000 | 31,528,000 | 32,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,440,000 | 75,243,000 | 73,607,000 | 75,722,000 |
| Interest-bearing deposits | 58,864,000 | 58,406,000 | 58,564,000 | 61,144,000 |
| Noninterest-bearing deposits | 18,576,000 | 16,837,000 | 15,043,000 | 14,578,000 |
| Equity capital | 9,091,000 | 9,014,000 | 8,989,000 | 9,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,835,000 | 2,810,000 | 3,781,000 |
| Interest expense | 171,000 | 354,000 | 561,000 | 778,000 |
| Net interest income | 744,000 | 1,481,000 | 2,249,000 | 3,003,000 |
| Noninterest income | 39,000 | 80,000 | 124,000 | 168,000 |
| Noninterest expense | 532,000 | 1,098,000 | 1,635,000 | 2,252,000 |
| Provision for loan losses | 11,000 | 22,000 | 32,000 | 42,000 |
| Pretax income | 214,000 | 404,000 | 669,000 | 831,000 |
| Income tax | 63,000 | 123,000 | 198,000 | 258,000 |
| Net income | 151,000 | 281,000 | 471,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,567,000 | 9,509,000 | 9,714,000 | 9,630,000 |
| Total capital | 10,280,000 | 10,207,000 | 10,446,000 | 10,355,000 |
| Risk-weighted assets | 56,921,000 | 55,710,000 | 58,484,000 | 57,873,000 |
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