Call reports 2009
ELDERTON STATE BANK — 2009
What ELDERTON STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 165,650,000 | 174,770,000 | 173,989,000 | 172,988,000 |
| Total loans | 137,441,000 | 142,028,000 | 143,814,000 | 146,586,000 |
| Allowance for loan losses | 1,323,000 | 1,418,000 | 1,644,000 | 1,867,000 |
| Securities available for sale | 13,807,000 | 11,720,000 | 10,615,000 | 10,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,546,000 | 152,521,000 | 153,167,000 | 151,805,000 |
| Interest-bearing deposits | 124,007,000 | 133,704,000 | 136,433,000 | 133,638,000 |
| Noninterest-bearing deposits | 19,539,000 | 18,817,000 | 16,733,000 | 18,167,000 |
| Equity capital | 16,813,000 | 16,884,000 | 17,283,000 | 17,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,780,000 | 7,178,000 | 9,470,000 |
| Interest expense | 899,000 | 1,778,000 | 2,628,000 | 3,396,000 |
| Net interest income | 1,456,000 | 3,002,000 | 4,550,000 | 6,074,000 |
| Noninterest income | 78,000 | 190,000 | 297,000 | 408,000 |
| Noninterest expense | 842,000 | 1,790,000 | 2,715,000 | 3,552,000 |
| Provision for loan losses | 38,000 | 135,000 | 372,000 | 660,000 |
| Pretax income | 654,000 | 1,269,000 | 1,762,000 | 2,214,000 |
| Income tax | 199,000 | 387,000 | 536,000 | 670,000 |
| Net income | 455,000 | 882,000 | 1,226,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,768,000 | 16,844,000 | 17,186,000 | 17,232,000 |
| Total capital | 18,091,000 | 18,262,000 | 18,830,000 | 18,924,000 |
| Risk-weighted assets | 129,361,000 | 134,172,000 | 132,190,000 | 135,182,000 |
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