Call reports 2019
ELK STATE BANK — 2019
What ELK STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 96,115,000 | 96,336,000 | 97,112,000 | 96,868,000 |
| Total loans | 59,500,000 | 59,580,000 | 61,864,000 | 61,657,000 |
| Allowance for loan losses | 876,000 | 877,000 | 935,000 | 887,000 |
| Securities available for sale | 31,610,000 | 32,522,000 | 30,557,000 | 29,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,080,000 | 70,731,000 | 75,160,000 | 76,125,000 |
| Interest-bearing deposits | 57,789,000 | 57,958,000 | 61,173,000 | 60,450,000 |
| Noninterest-bearing deposits | 15,291,000 | 12,773,000 | 13,987,000 | 15,675,000 |
| Equity capital | 9,698,000 | 10,171,000 | 10,450,000 | 10,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,005,000 | 3,027,000 | 4,051,000 |
| Interest expense | 226,000 | 478,000 | 736,000 | 976,000 |
| Net interest income | 768,000 | 1,527,000 | 2,291,000 | 3,075,000 |
| Noninterest income | 43,000 | 82,000 | 131,000 | 245,000 |
| Noninterest expense | 571,000 | 1,168,000 | 1,776,000 | 2,398,000 |
| Provision for loan losses | 10,000 | 60,000 | 118,000 | 201,000 |
| Pretax income | 221,000 | 419,000 | 567,000 | 754,000 |
| Income tax | 38,000 | 52,000 | 68,000 | 100,000 |
| Net income | 183,000 | 367,000 | 499,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,827,000 | 9,930,000 | 10,075,000 | 9,994,000 |
| Total capital | 10,533,000 | 10,644,000 | 10,811,000 | 10,740,000 |
| Risk-weighted assets | 56,374,000 | 56,932,000 | 58,668,000 | 59,525,000 |