Call reports 2014
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2014
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 19,638,000 | 20,639,000 | 21,105,000 | 21,280,000 |
| Total loans | 13,993,000 | 13,960,000 | 14,162,000 | 13,942,000 |
| Allowance for loan losses | 34,000 | 34,000 | 50,000 | 41,000 |
| Securities available for sale | 0 | 0 | 0 | 5,123,000 |
| Securities held to maturity | 3,292,000 | 3,243,000 | 3,180,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,638,000 | 15,626,000 | 16,089,000 | 16,304,000 |
| Interest-bearing deposits | 14,638,000 | 15,626,000 | 16,089,000 | 16,304,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,978,000 | 4,976,000 | 4,962,000 | 4,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 204,000 | 403,000 | 605,000 | 817,000 |
| Interest expense | 12,000 | 26,000 | 41,000 | 58,000 |
| Net interest income | 192,000 | 377,000 | 564,000 | 759,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 199,000 | 385,000 | 571,000 | 806,000 |
| Provision for loan losses | 13,000 | 13,000 | 29,000 | 36,000 |
| Pretax income | -20,000 | -21,000 | -36,000 | -83,000 |
| Income tax | 1,000 | 1,000 | 0 | 1,000 |
| Net income | -21,000 | -22,000 | -36,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,856,000 | 4,854,000 | 4,840,000 | 4,789,000 |
| Total capital | 4,890,000 | 4,888,000 | 4,890,000 | 4,830,000 |
| Risk-weighted assets | 10,596,000 | 10,758,000 | 11,003,000 | 10,700,000 |
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