Call reports 2014
ELDERTON STATE BANK — 2014
What ELDERTON STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 217,578,000 | 220,023,000 | 225,756,000 | 230,398,000 |
| Total loans | 185,978,000 | 191,451,000 | 197,547,000 | 196,300,000 |
| Allowance for loan losses | 2,353,000 | 2,496,000 | 2,547,000 | 2,556,000 |
| Securities available for sale | 12,346,000 | 12,085,000 | 12,062,000 | 11,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,189,000 | 186,375,000 | 188,172,000 | 192,630,000 |
| Interest-bearing deposits | 160,130,000 | 161,640,000 | 164,836,000 | 167,321,000 |
| Noninterest-bearing deposits | 24,059,000 | 24,735,000 | 23,336,000 | 25,309,000 |
| Equity capital | 23,817,000 | 24,125,000 | 24,821,000 | 25,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,321,000 | 4,711,000 | 7,188,000 | 9,668,000 |
| Interest expense | 353,000 | 711,000 | 1,082,000 | 1,461,000 |
| Net interest income | 1,968,000 | 4,000,000 | 6,106,000 | 8,207,000 |
| Noninterest income | 119,000 | 240,000 | 357,000 | 388,000 |
| Noninterest expense | 951,000 | 1,968,000 | 3,015,000 | 4,111,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 700,000 |
| Pretax income | 986,000 | 1,980,000 | 3,014,000 | 3,801,000 |
| Income tax | 311,000 | 623,000 | 949,000 | 1,193,000 |
| Net income | 675,000 | 1,357,000 | 2,065,000 | 2,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,693,000 | 23,984,000 | 24,692,000 | 24,829,000 |
| Total capital | 25,939,000 | 26,285,000 | 27,061,000 | 27,212,000 |
| Risk-weighted assets | 174,850,000 | 179,972,000 | 185,417,000 | 184,004,000 |