Call reports 2013
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2013
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 19,223,000 | 19,300,000 | 19,496,000 | 19,692,000 |
| Total loans | 12,557,000 | 13,248,000 | 13,934,000 | 13,944,000 |
| Allowance for loan losses | 15,000 | 15,000 | 134,000 | 56,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,691,000 | 2,643,000 | 2,580,000 | 3,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,151,000 | 14,140,000 | 14,420,000 | 14,630,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 14,630,000 |
| Noninterest-bearing deposits | 14,151,000 | 14,140,000 | 14,420,000 | 0 |
| Equity capital | 5,053,000 | 5,125,000 | 5,023,000 | 4,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 207,000 | 409,000 | 615,000 | 827,000 |
| Interest expense | 15,000 | 29,000 | 42,000 | 54,000 |
| Net interest income | 192,000 | 380,000 | 573,000 | 773,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 190,000 | 372,000 | 560,000 | 783,000 |
| Provision for loan losses | 0 | 0 | 119,000 | 119,000 |
| Pretax income | 2,000 | 74,000 | -40,000 | -63,000 |
| Income tax | 0 | 0 | -12,000 | -10,000 |
| Net income | 2,000 | 74,000 | -28,000 | -53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,942,000 | 5,014,000 | 4,889,000 | 4,876,000 |
| Total capital | 4,957,000 | 5,029,000 | 5,022,000 | 4,932,000 |
| Risk-weighted assets | 10,023,000 | 10,405,000 | 10,667,000 | 10,718,000 |
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