Call reports 2006
ELDERTON STATE BANK — 2006
What ELDERTON STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,111,000 | 142,273,000 | 142,162,000 | 146,151,000 |
| Total loans | 99,179,000 | 103,118,000 | 106,984,000 | 113,710,000 |
| Allowance for loan losses | 965,000 | 974,000 | 973,000 | 1,020,000 |
| Securities available for sale | 29,472,000 | 29,877,000 | 27,640,000 | 27,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,356,000 | 125,232,000 | 125,418,000 | 125,925,000 |
| Interest-bearing deposits | 108,710,000 | 109,181,000 | 109,714,000 | 110,062,000 |
| Noninterest-bearing deposits | 16,646,000 | 16,051,000 | 15,705,000 | 15,863,000 |
| Equity capital | 13,331,000 | 13,496,000 | 13,290,000 | 13,612,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,030,000 | 4,200,000 | 6,438,000 | 8,781,000 |
| Interest expense | 754,000 | 1,578,000 | 2,456,000 | 3,410,000 |
| Net interest income | 1,276,000 | 2,622,000 | 3,982,000 | 5,371,000 |
| Noninterest income | 111,000 | 221,000 | 334,000 | 443,000 |
| Noninterest expense | 667,000 | 1,367,000 | 2,050,000 | 2,735,000 |
| Provision for loan losses | 11,000 | 22,000 | 34,000 | 105,000 |
| Pretax income | 709,000 | 1,457,000 | 2,243,000 | 2,985,000 |
| Income tax | 231,000 | 469,000 | 724,000 | 963,000 |
| Net income | 478,000 | 988,000 | 1,519,000 | 2,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,522,000 | 13,775,000 | 13,412,000 | 13,627,000 |
| Total capital | 14,487,000 | 14,749,000 | 14,385,000 | 14,647,000 |
| Risk-weighted assets | 94,502,000 | 98,256,000 | 96,206,000 | 101,075,000 |
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