Call reports 2012
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2012
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 19,667,000 | 19,492,000 | 19,213,000 | 18,975,000 |
| Total loans | 12,037,000 | 12,013,000 | 12,603,000 | 12,580,000 |
| Allowance for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,023,000 | 2,959,000 | 2,873,000 | 2,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,610,000 | 14,406,000 | 14,106,000 | 13,873,000 |
| Interest-bearing deposits | 14,610,000 | 14,406,000 | 14,106,000 | 0 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 13,873,000 |
| Equity capital | 5,030,000 | 5,048,000 | 5,062,000 | 5,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 425,000 | 647,000 | 864,000 |
| Interest expense | 24,000 | 45,000 | 63,000 | 80,000 |
| Net interest income | 186,000 | 380,000 | 584,000 | 784,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 180,000 | 356,000 | 546,000 | 755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | 24,000 | 38,000 | 29,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 6,000 | 24,000 | 38,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,918,000 | 4,936,000 | 4,951,000 | 4,940,000 |
| Total capital | 4,933,000 | 4,951,000 | 4,966,000 | 4,955,000 |
| Risk-weighted assets | 10,392,000 | 10,373,000 | 10,459,000 | 10,020,000 |