Call reports 2025
ELDERTON STATE BANK — 2025
What ELDERTON STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 407,668,000 | 417,830,000 | 426,130,000 | 441,709,000 |
| Total loans | 339,109,000 | 350,903,000 | 358,387,000 | 368,336,000 |
| Allowance for loan losses | 5,135,000 | 4,926,000 | 4,767,000 | 4,853,000 |
| Securities available for sale | 20,293,000 | 20,010,000 | 20,209,000 | 19,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,877,000 | 333,874,000 | 335,438,000 | 345,007,000 |
| Interest-bearing deposits | 283,229,000 | 286,797,000 | 291,261,000 | 298,534,000 |
| Noninterest-bearing deposits | 45,648,000 | 47,077,000 | 44,177,000 | 46,473,000 |
| Equity capital | 48,980,000 | 49,486,000 | 51,542,000 | 51,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,371,000 | 11,176,000 | 17,328,000 | 23,625,000 |
| Interest expense | 2,319,000 | 4,726,000 | 7,157,000 | 9,654,000 |
| Net interest income | 3,052,000 | 6,450,000 | 10,171,000 | 13,971,000 |
| Noninterest income | 354,000 | 590,000 | 862,000 | 1,126,000 |
| Noninterest expense | 1,765,000 | 3,673,000 | 5,484,000 | 7,451,000 |
| Provision for loan losses | -171,000 | -80,000 | -82,000 | 125,000 |
| Pretax income | 1,828,000 | 3,462,000 | 5,637,000 | 7,511,000 |
| Income tax | 330,000 | 719,000 | 1,145,000 | 1,574,000 |
| Net income | 1,498,000 | 2,743,000 | 4,492,000 | 5,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,253,000 | 50,693,000 | 52,444,000 | 52,435,000 |