Call reports 2018
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2018
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 24,138,000 | 24,001,000 | 23,753,000 | 23,715,000 |
| Total loans | 18,494,000 | 18,562,000 | 17,945,000 | 18,453,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 3,162,000 | 3,862,000 | 4,292,000 | 4,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,328,000 | 16,190,000 | 15,962,000 | 15,517,000 |
| Interest-bearing deposits | 16,328,000 | 16,190,000 | 15,962,000 | 15,517,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 4,928,000 | 4,911,000 | 4,886,000 | 4,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 460,000 | 685,000 | 925,000 |
| Interest expense | 28,000 | 58,000 | 88,000 | 117,000 |
| Net interest income | 204,000 | 402,000 | 597,000 | 808,000 |
| Noninterest income | 0 | 0 | 0 | 2,000 |
| Noninterest expense | 218,000 | 416,000 | 618,000 | 826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -14,000 | -14,000 | -21,000 | -16,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | -14,000 | -21,000 | -16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,994,000 | 5,024,000 | 4,987,000 | 4,992,000 |
| Total capital | 5,035,000 | 5,065,000 | 5,028,000 | 5,033,000 |
| Risk-weighted assets | 11,777,000 | 11,599,000 | 11,577,000 | 11,643,000 |