Call reports 2018
ELDERTON STATE BANK — 2018
What ELDERTON STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 264,441,000 | 270,004,000 | 278,457,000 | 278,330,000 |
| Total loans | 222,337,000 | 230,931,000 | 237,151,000 | 235,155,000 |
| Allowance for loan losses | 3,746,000 | 4,000,000 | 4,261,000 | 4,369,000 |
| Securities available for sale | 14,737,000 | 15,156,000 | 14,914,000 | 15,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,413,000 | 224,566,000 | 228,198,000 | 227,975,000 |
| Interest-bearing deposits | 193,001,000 | 197,156,000 | 199,374,000 | 197,171,000 |
| Noninterest-bearing deposits | 26,412,000 | 27,410,000 | 28,824,000 | 30,804,000 |
| Equity capital | 30,847,000 | 31,249,000 | 32,211,000 | 32,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,970,000 | 6,025,000 | 9,277,000 | 12,567,000 |
| Interest expense | 524,000 | 1,081,000 | 1,712,000 | 2,391,000 |
| Net interest income | 2,446,000 | 4,944,000 | 7,565,000 | 10,176,000 |
| Noninterest income | 145,000 | 368,000 | 426,000 | 581,000 |
| Noninterest expense | 1,252,000 | 2,575,000 | 3,839,000 | 5,096,000 |
| Provision for loan losses | 210,000 | 470,000 | 730,000 | 1,040,000 |
| Pretax income | 1,129,000 | 2,267,000 | 3,583,000 | 4,782,000 |
| Income tax | 222,000 | 463,000 | 725,000 | 962,000 |
| Net income | 907,000 | 1,804,000 | 2,858,000 | 3,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,795,000 | 31,193,000 | 32,247,000 | 32,635,000 |
| Total capital | 33,429,000 | 33,948,000 | 35,046,000 | 35,378,000 |
| Risk-weighted assets | 204,263,000 | 213,225,000 | 219,348,000 | 219,416,000 |