Call reports 2021
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2021
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 28,386,000 | 29,336,000 | 28,253,000 | 28,307,000 |
| Total loans | 21,684,000 | 22,028,000 | 22,459,000 | 22,495,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 3,101,000 | 2,954,000 | 2,829,000 | 2,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,370,000 | 20,312,000 | 21,058,000 | 21,308,000 |
| Interest-bearing deposits | 19,370,000 | 20,312,000 | 21,059,000 | 21,308,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 5,154,000 | 5,143,000 | 5,138,000 | 4,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 243,000 | 474,000 | 713,000 | 957,000 |
| Interest expense | 44,000 | 91,000 | 135,000 | 174,000 |
| Net interest income | 199,000 | 383,000 | 578,000 | 783,000 |
| Noninterest income | 0 | 0 | 3,000 | 3,000 |
| Noninterest expense | 198,000 | 389,000 | 579,000 | 907,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | -19,000 | -21,000 | -144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,000 | -19,000 | -21,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,073,000 | 5,056,000 | 5,054,000 | 4,930,000 |