Call reports 2019
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2019
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 23,648,000 | 24,207,000 | 24,095,000 | 24,292,000 |
| Total loans | 18,836,000 | 18,995,000 | 19,354,000 | 19,475,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 4,153,000 | 4,170,000 | 3,897,000 | 3,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,017,000 | 15,073,000 | 14,676,000 | 15,326,000 |
| Interest-bearing deposits | 15,017,000 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 0 | 15,073,000 | 14,676,000 | 15,326,000 |
| Equity capital | 4,953,000 | 5,041,000 | 5,015,000 | 5,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 235,000 | 482,000 | 721,000 | 976,000 |
| Interest expense | 33,000 | 71,000 | 108,000 | 150,000 |
| Net interest income | 202,000 | 411,000 | 613,000 | 826,000 |
| Noninterest income | 0 | 0 | 1,000 | 1,000 |
| Noninterest expense | 210,000 | 414,000 | 639,000 | 817,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | -3,000 | -4,000 | 62,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 2,000 |
| Net income | -9,000 | -5,000 | -6,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,995,000 | 4,968,000 | 4,986,000 | 5,068,000 |
| Total capital | 5,036,000 | 5,009,000 | 5,027,000 | 5,109,000 |
| Risk-weighted assets | 11,664,000 | 10,918,000 | 11,841,000 | 11,790,000 |