Call reports 2020
ELK STATE BANK — 2020
What ELK STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 96,061,000 | 100,734,000 | 98,215,000 | 101,418,000 |
| Total loans | 60,170,000 | 60,791,000 | 59,420,000 | 57,222,000 |
| Allowance for loan losses | 897,000 | 910,000 | 923,000 | 938,000 |
| Securities available for sale | 32,044,000 | 32,994,000 | 32,026,000 | 38,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,684,000 | 79,988,000 | 77,323,000 | 80,239,000 |
| Interest-bearing deposits | 57,011,000 | 62,222,000 | 59,525,000 | 60,705,000 |
| Noninterest-bearing deposits | 14,673,000 | 17,766,000 | 17,798,000 | 19,534,000 |
| Equity capital | 9,947,000 | 10,688,000 | 10,962,000 | 10,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 1,994,000 | 2,964,000 | 3,935,000 |
| Interest expense | 224,000 | 417,000 | 599,000 | 775,000 |
| Net interest income | 788,000 | 1,577,000 | 2,365,000 | 3,160,000 |
| Noninterest income | 51,000 | 97,000 | 148,000 | 197,000 |
| Noninterest expense | 644,000 | 1,231,000 | 1,860,000 | 2,483,000 |
| Provision for loan losses | 7,000 | 15,000 | 23,000 | 31,000 |
| Pretax income | 131,000 | 405,000 | 756,000 | 994,000 |
| Income tax | 32,000 | 78,000 | 138,000 | 174,000 |
| Net income | 99,000 | 327,000 | 618,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,107,000 | 10,048,000 | 10,353,000 | 10,070,000 |
| Total capital | 10,839,000 | 10,788,000 | 11,070,000 | 10,793,000 |
| Risk-weighted assets | 58,418,000 | 59,035,000 | 57,176,000 | 57,604,000 |
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