Call reports 2016
ELDERTON STATE BANK — 2016
What ELDERTON STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 246,522,000 | 245,487,000 | 249,050,000 | 249,391,000 |
| Total loans | 210,807,000 | 212,794,000 | 217,657,000 | 217,157,000 |
| Allowance for loan losses | 3,060,000 | 3,186,000 | 3,491,000 | 3,025,000 |
| Securities available for sale | 11,209,000 | 12,373,000 | 11,436,000 | 11,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,670,000 | 200,671,000 | 199,336,000 | 201,617,000 |
| Interest-bearing deposits | 177,499,000 | 178,063,000 | 175,711,000 | 176,836,000 |
| Noninterest-bearing deposits | 24,171,000 | 22,608,000 | 23,625,000 | 24,781,000 |
| Equity capital | 27,693,000 | 27,875,000 | 28,502,000 | 28,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,613,000 | 5,230,000 | 7,928,000 | 10,606,000 |
| Interest expense | 413,000 | 833,000 | 1,263,000 | 1,703,000 |
| Net interest income | 2,200,000 | 4,397,000 | 6,665,000 | 8,903,000 |
| Noninterest income | 127,000 | 258,000 | 474,000 | 526,000 |
| Noninterest expense | 1,234,000 | 2,443,000 | 3,671,000 | 4,838,000 |
| Provision for loan losses | 120,000 | 300,000 | 595,000 | 985,000 |
| Pretax income | 973,000 | 1,912,000 | 2,873,000 | 3,726,000 |
| Income tax | 309,000 | 606,000 | 909,000 | 1,177,000 |
| Net income | 664,000 | 1,306,000 | 1,964,000 | 2,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,502,000 | 27,672,000 | 28,309,000 | 28,472,000 |
| Total capital | 30,021,000 | 30,185,000 | 30,876,000 | 31,087,000 |
| Risk-weighted assets | 195,795,000 | 195,399,000 | 199,774,000 | 200,453,000 |