Call reports 2021
ELK STATE BANK — 2021
What ELK STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 110,855,000 | 109,220,000 | 109,800,000 | 112,176,000 |
| Total loans | 57,412,000 | 56,082,000 | 56,328,000 | 56,702,000 |
| Allowance for loan losses | 948,000 | 972,000 | 983,000 | 996,000 |
| Securities available for sale | 45,187,000 | 47,245,000 | 48,969,000 | 50,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,562,000 | 88,482,000 | 88,458,000 | 88,854,000 |
| Interest-bearing deposits | 67,517,000 | 65,333,000 | 67,092,000 | 66,136,000 |
| Noninterest-bearing deposits | 23,045,000 | 23,149,000 | 21,366,000 | 22,718,000 |
| Equity capital | 10,369,000 | 10,804,000 | 10,953,000 | 10,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 2,242,000 | 3,411,000 | 4,351,000 |
| Interest expense | 161,000 | 322,000 | 480,000 | 639,000 |
| Net interest income | 785,000 | 1,920,000 | 2,931,000 | 3,712,000 |
| Noninterest income | 50,000 | 100,000 | 157,000 | 214,000 |
| Noninterest expense | 643,000 | 1,242,000 | 1,920,000 | 2,599,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 31,000 |
| Pretax income | 126,000 | 677,000 | 1,060,000 | 1,220,000 |
| Income tax | -9,000 | 99,000 | 150,000 | 162,000 |
| Net income | 135,000 | 578,000 | 910,000 | 1,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,219,000 | 10,246,000 | 10,427,000 | 10,275,000 |
| Total capital | 10,948,000 | 10,971,000 | 11,178,000 | 11,050,000 |
| Risk-weighted assets | 58,107,000 | 57,775,000 | 59,879,000 | 61,797,000 |
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