Call reports 2019
ELDERTON STATE BANK — 2019
What ELDERTON STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 283,541,000 | 289,767,000 | 294,730,000 | 298,675,000 |
| Total loans | 234,808,000 | 241,073,000 | 241,818,000 | 241,644,000 |
| Allowance for loan losses | 4,436,000 | 4,637,000 | 4,861,000 | 4,862,000 |
| Securities available for sale | 14,805,000 | 14,672,000 | 15,988,000 | 15,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,131,000 | 239,721,000 | 245,069,000 | 249,248,000 |
| Interest-bearing deposits | 204,413,000 | 208,313,000 | 214,989,000 | 217,750,000 |
| Noninterest-bearing deposits | 30,718,000 | 31,408,000 | 30,080,000 | 31,498,000 |
| Equity capital | 32,998,000 | 33,203,000 | 33,448,000 | 33,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,316,000 | 6,784,000 | 10,311,000 | 13,782,000 |
| Interest expense | 769,000 | 1,590,000 | 2,453,000 | 3,328,000 |
| Net interest income | 2,547,000 | 5,194,000 | 7,858,000 | 10,454,000 |
| Noninterest income | 138,000 | 312,000 | 460,000 | 575,000 |
| Noninterest expense | 1,338,000 | 2,668,000 | 4,012,000 | 5,361,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 1,180,000 | 2,441,000 | 3,700,000 | 4,881,000 |
| Income tax | 235,000 | 487,000 | 734,000 | 974,000 |
| Net income | 945,000 | 1,954,000 | 2,966,000 | 3,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,964,000 | 33,061,000 | 33,304,000 | 33,651,000 |
| Total capital | 35,715,000 | 35,900,000 | 36,105,000 | 36,464,000 |
| Risk-weighted assets | 218,432,000 | 225,314,000 | 222,053,000 | 223,001,000 |