Call reports 2007
ELDERTON STATE BANK — 2007
What ELDERTON STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 148,562,000 | 150,140,000 | 152,779,000 | 158,974,000 |
| Total loans | 115,631,000 | 117,321,000 | 120,470,000 | 123,293,000 |
| Allowance for loan losses | 1,007,000 | 1,029,000 | 1,042,000 | 1,131,000 |
| Securities available for sale | 24,468,000 | 23,383,000 | 22,719,000 | 23,643,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,282,000 | 129,189,000 | 129,858,000 | 135,679,000 |
| Interest-bearing deposits | 112,872,000 | 113,322,000 | 113,532,000 | 117,751,000 |
| Noninterest-bearing deposits | 16,410,000 | 15,867,000 | 16,326,000 | 17,928,000 |
| Equity capital | 14,131,000 | 14,343,000 | 14,956,000 | 15,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,379,000 | 4,793,000 | 7,313,000 | 9,916,000 |
| Interest expense | 1,002,000 | 2,029,000 | 3,122,000 | 4,273,000 |
| Net interest income | 1,377,000 | 2,764,000 | 4,191,000 | 5,643,000 |
| Noninterest income | 103,000 | 210,000 | 336,000 | 444,000 |
| Noninterest expense | 725,000 | 1,435,000 | 2,164,000 | 2,897,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 198,000 |
| Pretax income | 728,000 | 1,485,000 | 2,285,000 | 3,019,000 |
| Income tax | 244,000 | 480,000 | 737,000 | 973,000 |
| Net income | 484,000 | 1,005,000 | 1,548,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,111,000 | 14,366,000 | 14,909,000 | 15,094,000 |
| Total capital | 15,118,000 | 15,395,000 | 15,951,000 | 16,225,000 |
| Risk-weighted assets | 103,859,000 | 106,626,000 | 109,785,000 | 114,602,000 |
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