Call reports 2016
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2016
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 21,096,000 | 21,937,000 | 22,800,000 | 23,066,000 |
| Total loans | 15,799,000 | 16,391,000 | 17,245,000 | 17,453,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 4,568,000 | 4,528,000 | 4,387,000 | 4,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,198,000 | 15,710,000 | 15,927,000 | 16,311,000 |
| Interest-bearing deposits | 16,198,000 | 15,710,000 | 15,927,000 | 16,311,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,880,000 | 4,950,000 | 4,992,000 | 4,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 220,000 | 443,000 | 676,000 | 905,000 |
| Interest expense | 18,000 | 36,000 | 54,000 | 72,000 |
| Net interest income | 202,000 | 407,000 | 622,000 | 833,000 |
| Noninterest income | 2,000 | 3,000 | 4,000 | 5,000 |
| Noninterest expense | 186,000 | 364,000 | 544,000 | 766,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 46,000 | 82,000 | 72,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 3,000 |
| Net income | 16,000 | 44,000 | 80,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,873,000 | 4,876,000 | 4,909,000 | 4,965,000 |
| Total capital | 4,914,000 | 4,917,000 | 4,950,000 | 5,006,000 |
| Risk-weighted assets | 10,974,000 | 11,393,000 | 12,103,000 | 11,547,000 |
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