Call reports 2003
ELDERTON STATE BANK — 2003
What ELDERTON STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 141,567,000 | 138,465,000 | 136,288,000 | 132,598,000 |
| Total loans | 102,207,000 | 99,081,000 | 97,297,000 | 97,902,000 |
| Allowance for loan losses | 1,088,000 | 1,045,000 | 974,000 | 993,000 |
| Securities available for sale | 27,266,000 | 29,571,000 | 23,231,000 | 29,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,321,000 | 125,047,000 | 122,903,000 | 118,517,000 |
| Interest-bearing deposits | 116,160,000 | 112,104,000 | 109,443,000 | 105,099,000 |
| Noninterest-bearing deposits | 12,161,000 | 12,943,000 | 13,460,000 | 13,418,000 |
| Equity capital | 9,851,000 | 9,957,000 | 10,098,000 | 10,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,265,000 | 6,295,000 | 8,146,000 |
| Interest expense | 1,038,000 | 1,971,000 | 2,768,000 | 3,491,000 |
| Net interest income | 1,128,000 | 2,294,000 | 3,527,000 | 4,655,000 |
| Noninterest income | 71,000 | 165,000 | 257,000 | 351,000 |
| Noninterest expense | 518,000 | 1,106,000 | 1,724,000 | 2,452,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 681,000 | 1,440,000 | 2,126,000 | 2,570,000 |
| Income tax | 188,000 | 494,000 | 736,000 | 873,000 |
| Net income | 493,000 | 946,000 | 1,390,000 | 1,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,549,000 | 9,801,000 | 10,244,000 | 10,304,000 |
| Total capital | 10,637,000 | 10,846,000 | 11,218,000 | 11,297,000 |
| Risk-weighted assets | 97,205,000 | 95,055,000 | 95,486,000 | 96,650,000 |
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