Call reports 2020
ELDERTON STATE BANK — 2020
What ELDERTON STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 296,816,000 | 313,911,000 | 315,543,000 | 316,471,000 |
| Total loans | 244,641,000 | 253,702,000 | 254,349,000 | 253,685,000 |
| Allowance for loan losses | 5,025,000 | 4,900,000 | 5,002,000 | 5,414,000 |
| Securities available for sale | 15,922,000 | 16,746,000 | 18,161,000 | 18,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,551,000 | 259,572,000 | 263,723,000 | 264,730,000 |
| Interest-bearing deposits | 213,710,000 | 224,578,000 | 228,678,000 | 228,743,000 |
| Noninterest-bearing deposits | 29,841,000 | 34,994,000 | 35,045,000 | 35,987,000 |
| Equity capital | 34,657,000 | 35,286,000 | 36,136,000 | 36,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,435,000 | 6,787,000 | 10,027,000 | 13,341,000 |
| Interest expense | 813,000 | 1,554,000 | 2,235,000 | 2,853,000 |
| Net interest income | 2,622,000 | 5,233,000 | 7,792,000 | 10,488,000 |
| Noninterest income | 146,000 | 294,000 | 461,000 | 656,000 |
| Noninterest expense | 1,338,000 | 2,673,000 | 4,153,000 | 5,551,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 970,000 |
| Pretax income | 1,250,000 | 2,496,000 | 3,564,000 | 4,627,000 |
| Income tax | 251,000 | 500,000 | 722,000 | 932,000 |
| Net income | 999,000 | 1,996,000 | 2,842,000 | 3,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,650,000 | 35,054,000 | 35,899,000 | 36,127,000 |