Call reports 2017
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2017
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 23,114,000 | 23,727,000 | 23,800,000 | 23,262,000 |
| Total loans | 17,765,000 | 18,615,000 | 18,749,000 | 18,662,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 3,995,000 | 3,971,000 | 3,854,000 | 3,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,326,000 | 15,870,000 | 15,912,000 | 15,400,000 |
| Interest-bearing deposits | 16,326,000 | 15,870,000 | 15,912,000 | 15,400,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,905,000 | 4,967,000 | 4,996,000 | 4,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 234,000 | 472,000 | 717,000 | 953,000 |
| Interest expense | 23,000 | 49,000 | 79,000 | 108,000 |
| Net interest income | 211,000 | 423,000 | 638,000 | 845,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 192,000 | 380,000 | 570,000 | 767,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 43,000 | 68,000 | 81,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 19,000 | 42,000 | 67,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,947,000 | 4,971,000 | 4,995,000 | 5,009,000 |
| Total capital | 4,988,000 | 5,012,000 | 5,036,000 | 5,050,000 |
| Risk-weighted assets | 11,885,000 | 12,168,000 | 12,119,000 | 11,870,000 |