Call reports 2015
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2015
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 21,124,000 | 21,285,000 | 21,094,000 | 21,114,000 |
| Total loans | 14,232,000 | 15,029,000 | 15,205,000 | 15,715,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 5,019,000 | 4,819,000 | 4,737,000 | 4,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,285,000 | 16,472,000 | 16,229,000 | 16,252,000 |
| Interest-bearing deposits | 16,285,000 | 16,472,000 | 16,229,000 | 16,252,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,803,000 | 4,772,000 | 4,818,000 | 4,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 434,000 | 653,000 | 872,000 |
| Interest expense | 18,000 | 36,000 | 54,000 | 73,000 |
| Net interest income | 198,000 | 398,000 | 599,000 | 799,000 |
| Noninterest income | 0 | -15,000 | -15,000 | -15,000 |
| Noninterest expense | 196,000 | 376,000 | 554,000 | 746,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 39,000 | 62,000 | 70,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 2,000 |
| Net income | 1,000 | 38,000 | 60,000 | 68,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,793,000 | 4,867,000 | 4,872,000 | 4,881,000 |
| Total capital | 4,834,000 | 4,908,000 | 4,913,000 | 4,922,000 |
| Risk-weighted assets | 11,389,000 | 11,140,000 | 10,718,000 | 10,998,000 |