Call reports 2022
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2022
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 28,968,000 | 27,343,000 | 26,482,000 | 27,884,000 |
| Total loans | 22,409,000 | 22,661,000 | 22,892,000 | 23,288,000 |
| Allowance for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Securities available for sale | 2,497,000 | 2,385,000 | 2,268,000 | 2,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,051,000 | 21,492,000 | 20,631,000 | 20,601,000 |
| Interest-bearing deposits | 22,051,000 | 0 | 20,631,000 | 20,601,000 |
| Noninterest-bearing deposits | 0 | 21,492,000 | 0 | 0 |
| Equity capital | 4,875,000 | 4,808,000 | 4,794,000 | 4,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 454,000 | 696,000 | 935,000 |
| Interest expense | 39,000 | 76,000 | 109,000 | 142,000 |
| Net interest income | 193,000 | 378,000 | 587,000 | 793,000 |
| Noninterest income | 0 | 0 | 0 | 0 |
| Noninterest expense | 231,000 | 439,000 | 647,000 | 892,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -39,000 | -67,000 | -65,000 | -106,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -39,000 | -67,000 | -65,000 | -106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,891,000 | 4,863,000 | 4,865,000 | 4,824,000 |