Call reports 2020
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2020
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 24,450,000 | 26,286,000 | 26,502,000 | 26,975,000 |
| Total loans | 19,277,000 | 19,355,000 | 20,143,000 | 20,759,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 3,114,000 | 3,113,000 | 3,432,000 | 3,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,512,000 | 17,246,000 | 17,455,000 | 17,932,000 |
| Interest-bearing deposits | 0 | 17,246,000 | 17,455,000 | 0 |
| Noninterest-bearing deposits | 15,512,000 | 0 | 0 | 17,932,000 |
| Equity capital | 5,068,000 | 5,148,000 | 5,151,000 | 5,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 233,000 | 467,000 | 703,000 | 941,000 |
| Interest expense | 42,000 | 86,000 | 132,000 | 179,000 |
| Net interest income | 191,000 | 381,000 | 571,000 | 762,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 202,000 | 392,000 | 585,000 | 758,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -5,000 | 7,000 | -1,000 | 23,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -5,000 | 6,000 | -2,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,048,000 | 5,058,000 | 5,051,000 | 5,075,000 |