Call reports 2015
ELDERTON STATE BANK — 2015
What ELDERTON STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 233,588,000 | 232,535,000 | 238,016,000 | 239,738,000 |
| Total loans | 199,601,000 | 207,664,000 | 210,372,000 | 210,337,000 |
| Allowance for loan losses | 2,665,000 | 2,768,000 | 2,843,000 | 2,966,000 |
| Securities available for sale | 12,113,000 | 11,614,000 | 11,700,000 | 11,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,952,000 | 193,704,000 | 195,440,000 | 197,862,000 |
| Interest-bearing deposits | 171,377,000 | 170,008,000 | 171,787,000 | 173,399,000 |
| Noninterest-bearing deposits | 23,575,000 | 23,696,000 | 23,653,000 | 24,463,000 |
| Equity capital | 25,757,000 | 26,039,000 | 26,736,000 | 27,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,520,000 | 5,133,000 | 7,734,000 | 10,362,000 |
| Interest expense | 377,000 | 754,000 | 1,137,000 | 1,538,000 |
| Net interest income | 2,143,000 | 4,379,000 | 6,597,000 | 8,824,000 |
| Noninterest income | 117,000 | 230,000 | 350,000 | 479,000 |
| Noninterest expense | 1,078,000 | 2,263,000 | 3,479,000 | 4,668,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,062,000 | 2,106,000 | 3,108,000 | 4,155,000 |
| Income tax | 334,000 | 663,000 | 986,000 | 1,317,000 |
| Net income | 728,000 | 1,443,000 | 2,122,000 | 2,838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,557,000 | 25,865,000 | 26,544,000 | 26,838,000 |
| Total capital | 27,957,000 | 28,364,000 | 29,076,000 | 29,360,000 |
| Risk-weighted assets | 186,357,000 | 193,189,000 | 195,452,000 | 194,437,000 |