Call reports 2022
ELDERTON STATE BANK — 2022
What ELDERTON STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 334,276,000 | 334,912,000 | 337,717,000 | 345,804,000 |
| Total loans | 274,755,000 | 283,017,000 | 283,915,000 | 291,365,000 |
| Allowance for loan losses | 5,871,000 | 6,050,000 | 6,100,000 | 6,185,000 |
| Securities available for sale | 24,985,000 | 24,119,000 | 23,519,000 | 23,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,522,000 | 283,974,000 | 286,956,000 | 294,481,000 |
| Interest-bearing deposits | 243,565,000 | 242,428,000 | 246,220,000 | 251,015,000 |
| Noninterest-bearing deposits | 40,957,000 | 41,546,000 | 40,736,000 | 43,466,000 |
| Equity capital | 38,525,000 | 38,501,000 | 39,382,000 | 39,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,146,000 | 6,438,000 | 9,990,000 | 13,812,000 |
| Interest expense | 390,000 | 801,000 | 1,282,000 | 1,975,000 |
| Net interest income | 2,756,000 | 5,637,000 | 8,708,000 | 11,837,000 |
| Noninterest income | 191,000 | 658,000 | 857,000 | 1,071,000 |
| Noninterest expense | 1,373,000 | 2,913,000 | 4,433,000 | 6,136,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 440,000 |
| Pretax income | 1,454,000 | 3,142,000 | 4,772,000 | 6,332,000 |
| Income tax | 314,000 | 658,000 | 991,000 | 1,309,000 |
| Net income | 1,140,000 | 2,484,000 | 3,781,000 | 5,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,784,000 | 40,441,000 | 41,738,000 | 42,262,000 |