Call reports 2012
ELDERTON STATE BANK — 2012
What ELDERTON STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 199,230,000 | 193,384,000 | 196,278,000 | 198,585,000 |
| Total loans | 149,702,000 | 155,839,000 | 158,383,000 | 168,823,000 |
| Allowance for loan losses | 2,010,000 | 1,911,000 | 1,960,000 | 2,185,000 |
| Securities available for sale | 14,207,000 | 13,505,000 | 14,116,000 | 13,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,219,000 | 170,233,000 | 172,567,000 | 172,551,000 |
| Interest-bearing deposits | 151,215,000 | 146,428,000 | 143,431,000 | 140,091,000 |
| Noninterest-bearing deposits | 24,004,000 | 23,805,000 | 29,136,000 | 32,460,000 |
| Equity capital | 20,461,000 | 20,696,000 | 21,371,000 | 21,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,433,000 | 6,661,000 | 8,915,000 |
| Interest expense | 443,000 | 883,000 | 1,293,000 | 1,658,000 |
| Net interest income | 1,773,000 | 3,550,000 | 5,368,000 | 7,257,000 |
| Noninterest income | 114,000 | 235,000 | 352,000 | 475,000 |
| Noninterest expense | 933,000 | 1,897,000 | 2,874,000 | 3,932,000 |
| Provision for loan losses | 105,000 | 185,000 | 230,000 | 455,000 |
| Pretax income | 849,000 | 1,703,000 | 2,614,000 | 3,343,000 |
| Income tax | 269,000 | 539,000 | 826,000 | 1,056,000 |
| Net income | 580,000 | 1,164,000 | 1,788,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,314,000 | 20,570,000 | 21,193,000 | 21,333,000 |
| Total capital | 22,115,000 | 22,439,000 | 23,067,000 | 23,319,000 |
| Risk-weighted assets | 143,899,000 | 149,443,000 | 149,832,000 | 158,662,000 |