Call reports 2008
ELDERTON STATE BANK — 2008
What ELDERTON STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,581,000 | 163,018,000 | 167,792,000 | 168,662,000 |
| Total loans | 125,044,000 | 128,253,000 | 130,164,000 | 133,662,000 |
| Allowance for loan losses | 1,153,000 | 1,121,000 | 1,141,000 | 1,305,000 |
| Securities available for sale | 21,003,000 | 21,021,000 | 27,980,000 | 18,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,569,000 | 141,141,000 | 145,488,000 | 146,996,000 |
| Interest-bearing deposits | 119,447,000 | 122,009,000 | 127,304,000 | 123,560,000 |
| Noninterest-bearing deposits | 18,123,000 | 19,133,000 | 18,184,000 | 23,436,000 |
| Equity capital | 15,697,000 | 15,695,000 | 16,230,000 | 16,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,594,000 | 5,076,000 | 7,555,000 | 10,008,000 |
| Interest expense | 1,138,000 | 2,222,000 | 3,280,000 | 4,290,000 |
| Net interest income | 1,456,000 | 2,854,000 | 4,275,000 | 5,718,000 |
| Noninterest income | 106,000 | 214,000 | 321,000 | 440,000 |
| Noninterest expense | 712,000 | 1,493,000 | 2,243,000 | 2,990,000 |
| Provision for loan losses | 37,000 | 110,000 | 148,000 | 335,000 |
| Pretax income | 813,000 | 1,465,000 | 2,205,000 | 2,833,000 |
| Income tax | 261,000 | 464,000 | 694,000 | 886,000 |
| Net income | 552,000 | 1,001,000 | 1,511,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,545,000 | 15,696,000 | 16,206,000 | 16,314,000 |
| Total capital | 16,698,000 | 16,817,000 | 17,347,000 | 17,619,000 |
| Risk-weighted assets | 116,177,000 | 120,002,000 | 123,237,000 | 126,486,000 |
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