Call reports 2010
ELDERTON STATE BANK — 2010
What ELDERTON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 178,294,000 | 184,027,000 | 185,477,000 | 216,588,000 |
| Total loans | 141,735,000 | 136,590,000 | 136,763,000 | 136,180,000 |
| Allowance for loan losses | 2,006,000 | 1,635,000 | 1,803,000 | 2,161,000 |
| Securities available for sale | 8,889,000 | 8,468,000 | 17,017,000 | 17,626,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,933,000 | 163,313,000 | 164,735,000 | 195,197,000 |
| Interest-bearing deposits | 140,022,000 | 145,530,000 | 147,018,000 | 173,560,000 |
| Noninterest-bearing deposits | 16,911,000 | 17,783,000 | 17,717,000 | 21,637,000 |
| Equity capital | 17,686,000 | 17,803,000 | 18,253,000 | 18,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,280,000 | 4,524,000 | 6,808,000 | 9,057,000 |
| Interest expense | 689,000 | 1,339,000 | 1,953,000 | 2,511,000 |
| Net interest income | 1,591,000 | 3,185,000 | 4,855,000 | 6,546,000 |
| Noninterest income | 116,000 | 249,000 | 412,000 | 582,000 |
| Noninterest expense | 1,108,000 | 2,003,000 | 3,021,000 | 3,924,000 |
| Provision for loan losses | 126,000 | 252,000 | 428,000 | 629,000 |
| Pretax income | 473,000 | 1,179,000 | 1,818,000 | 2,575,000 |
| Income tax | 135,000 | 347,000 | 539,000 | 773,000 |
| Net income | 338,000 | 832,000 | 1,279,000 | 1,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,570,000 | 17,752,000 | 18,199,000 | 18,409,000 |
| Total capital | 19,225,000 | 19,387,000 | 19,879,000 | 20,057,000 |
| Risk-weighted assets | 132,018,000 | 133,387,000 | 134,309,000 | 131,289,000 |
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