Call reports 2005
ELDERTON STATE BANK — 2005
What ELDERTON STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 134,295,000 | 133,972,000 | 134,027,000 | 136,143,000 |
| Total loans | 93,015,000 | 93,650,000 | 96,549,000 | 99,225,000 |
| Allowance for loan losses | 1,118,000 | 1,110,000 | 1,073,000 | 1,076,000 |
| Securities available for sale | 31,821,000 | 31,905,000 | 29,359,000 | 26,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,011,000 | 118,164,000 | 117,968,000 | 119,808,000 |
| Interest-bearing deposits | 104,807,000 | 104,282,000 | 103,202,000 | 103,555,000 |
| Noninterest-bearing deposits | 14,204,000 | 13,882,000 | 14,766,000 | 16,253,000 |
| Equity capital | 11,815,000 | 12,271,000 | 12,752,000 | 12,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,792,000 | 3,682,000 | 5,593,000 | 7,561,000 |
| Interest expense | 614,000 | 1,248,000 | 1,896,000 | 2,589,000 |
| Net interest income | 1,178,000 | 2,434,000 | 3,697,000 | 4,972,000 |
| Noninterest income | 104,000 | 364,000 | 495,000 | 604,000 |
| Noninterest expense | 699,000 | 1,377,000 | 2,039,000 | 2,698,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 40,000 |
| Pretax income | 568,000 | 1,406,000 | 2,138,000 | 2,808,000 |
| Income tax | 177,000 | 447,000 | 680,000 | 893,000 |
| Net income | 391,000 | 959,000 | 1,458,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,029,000 | 12,368,000 | 12,867,000 | 13,043,000 |
| Total capital | 13,147,000 | 13,478,000 | 13,940,000 | 14,119,000 |
| Risk-weighted assets | 92,620,000 | 91,475,000 | 93,124,000 | 93,615,000 |
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