Call reports 2023
ELDERTON STATE BANK — 2023
What ELDERTON STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 353,168,000 | 358,595,000 | 358,897,000 | 374,833,000 |
| Total loans | 295,626,000 | 300,868,000 | 306,375,000 | 312,162,000 |
| Allowance for loan losses | 5,654,000 | 5,611,000 | 5,576,000 | 5,526,000 |
| Securities available for sale | 23,521,000 | 22,946,000 | 21,769,000 | 21,716,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,199,000 | 293,287,000 | 290,619,000 | 303,354,000 |
| Interest-bearing deposits | 250,064,000 | 250,516,000 | 251,261,000 | 256,990,000 |
| Noninterest-bearing deposits | 42,135,000 | 42,771,000 | 39,358,000 | 46,364,000 |
| Equity capital | 42,054,000 | 42,160,000 | 43,211,000 | 44,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,965,000 | 8,280,000 | 12,786,000 | 17,650,000 |
| Interest expense | 953,000 | 2,286,000 | 3,828,000 | 5,673,000 |
| Net interest income | 3,012,000 | 5,994,000 | 8,958,000 | 11,977,000 |
| Noninterest income | 265,000 | 463,000 | 661,000 | 864,000 |
| Noninterest expense | 1,578,000 | 3,314,000 | 4,965,000 | 6,663,000 |
| Provision for loan losses | 5,000 | -2,000 | -36,000 | -49,000 |
| Pretax income | 1,686,000 | 3,137,000 | 4,680,000 | 6,224,000 |
| Income tax | 333,000 | 622,000 | 929,000 | 1,243,000 |
| Net income | 1,353,000 | 2,515,000 | 3,751,000 | 4,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,099,000 | 44,512,000 | 45,747,000 | 46,197,000 |