Call reports 2013
ELDERTON STATE BANK — 2013
What ELDERTON STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 196,368,000 | 199,274,000 | 203,117,000 | 214,609,000 |
| Total loans | 167,674,000 | 172,418,000 | 175,894,000 | 185,257,000 |
| Allowance for loan losses | 2,167,000 | 2,229,000 | 2,155,000 | 2,223,000 |
| Securities available for sale | 11,891,000 | 11,194,000 | 11,808,000 | 12,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,248,000 | 170,518,000 | 173,883,000 | 179,713,000 |
| Interest-bearing deposits | 142,472,000 | 145,889,000 | 150,838,000 | 155,709,000 |
| Noninterest-bearing deposits | 26,776,000 | 24,629,000 | 23,045,000 | 24,004,000 |
| Equity capital | 22,137,000 | 22,411,000 | 23,022,000 | 23,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,181,000 | 4,464,000 | 6,727,000 | 9,067,000 |
| Interest expense | 329,000 | 656,000 | 996,000 | 1,346,000 |
| Net interest income | 1,852,000 | 3,808,000 | 5,731,000 | 7,721,000 |
| Noninterest income | 113,000 | 231,000 | 356,000 | 484,000 |
| Noninterest expense | 963,000 | 1,925,000 | 2,920,000 | 3,953,000 |
| Provision for loan losses | 90,000 | 180,000 | 330,000 | 680,000 |
| Pretax income | 912,000 | 1,934,000 | 2,837,000 | 3,572,000 |
| Income tax | 293,000 | 617,000 | 898,000 | 1,121,000 |
| Net income | 619,000 | 1,317,000 | 1,939,000 | 2,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,952,000 | 22,275,000 | 22,897,000 | 23,018,000 |
| Total capital | 23,908,000 | 24,294,000 | 25,014,000 | 25,218,000 |
| Risk-weighted assets | 156,258,000 | 161,276,000 | 165,334,000 | 171,022,000 |
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