Call reports 2011
ELDERTON STATE BANK — 2011
What ELDERTON STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 215,788,000 | 183,691,000 | 181,202,000 | 188,387,000 |
| Total loans | 136,258,000 | 139,839,000 | 144,839,000 | 149,666,000 |
| Allowance for loan losses | 2,404,000 | 2,027,000 | 2,172,000 | 2,154,000 |
| Securities available for sale | 17,796,000 | 16,498,000 | 14,980,000 | 13,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,484,000 | 161,870,000 | 159,322,000 | 162,775,000 |
| Interest-bearing deposits | 153,588,000 | 140,084,000 | 138,094,000 | 125,785,000 |
| Noninterest-bearing deposits | 40,896,000 | 21,786,000 | 21,228,000 | 36,990,000 |
| Equity capital | 18,917,000 | 19,109,000 | 19,553,000 | 19,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,165,000 | 4,346,000 | 6,565,000 | 8,819,000 |
| Interest expense | 548,000 | 1,064,000 | 1,560,000 | 1,985,000 |
| Net interest income | 1,617,000 | 3,282,000 | 5,005,000 | 6,834,000 |
| Noninterest income | 121,000 | 244,000 | 369,000 | 485,000 |
| Noninterest expense | 988,000 | 1,816,000 | 2,795,000 | 3,728,000 |
| Provision for loan losses | 126,000 | 252,000 | 503,000 | 629,000 |
| Pretax income | 643,000 | 1,477,000 | 2,096,000 | 2,982,000 |
| Income tax | 193,000 | 452,000 | 638,000 | 916,000 |
| Net income | 450,000 | 1,025,000 | 1,458,000 | 2,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,860,000 | 19,022,000 | 19,445,000 | 19,735,000 |
| Total capital | 20,478,000 | 20,686,000 | 21,178,000 | 21,513,000 |
| Risk-weighted assets | 128,624,000 | 132,743,000 | 138,193,000 | 141,877,000 |