Call reports 2023
ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION — 2023
What ELBERTON FEDERAL SAVINGS & LOAN ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Total assets | 26,770,000 | 26,597,000 |
| Total loans | 22,968,000 | 22,407,000 |
| Allowance for loan losses | 41,000 | 41,000 |
| Securities available for sale | 1,767,000 | 1,708,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 18,791,000 | 18,662,000 |
| Interest-bearing deposits | 18,791,000 | 18,662,000 |
| Noninterest-bearing deposits | 0 | 0 |
| Equity capital | 4,689,000 | 4,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Interest income | 235,000 | 483,000 |
| Interest expense | 57,000 | 130,000 |
| Net interest income | 178,000 | 353,000 |
| Noninterest income | 2,000 | 2,000 |
| Noninterest expense | 255,000 | 482,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | -74,000 | -127,000 |
| Income tax | 0 | 0 |
| Net income | -74,000 | -127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 |
|---|---|---|
| Tier 1 capital | 4,751,000 | 4,697,000 |