Call reports 2012
ELIZABETHTON FEDERAL SAVINGS BANK — 2012
What ELIZABETHTON FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 326,337,000 | 326,332,000 | 326,844,000 | 335,997,000 |
| Total loans | 167,516,000 | 164,619,000 | 161,486,000 | 159,802,000 |
| Allowance for loan losses | 2,580,000 | 2,865,000 | 2,930,000 | 2,930,000 |
| Securities available for sale | 0 | 0 | 0 | 2,522,000 |
| Securities held to maturity | 125,043,000 | 133,154,000 | 142,918,000 | 151,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,683,000 | 220,277,000 | 220,354,000 | 219,087,000 |
| Interest-bearing deposits | 218,747,000 | 218,912,000 | 217,966,000 | 217,092,000 |
| Noninterest-bearing deposits | 1,936,000 | 1,365,000 | 2,388,000 | 1,995,000 |
| Equity capital | 98,361,000 | 99,095,000 | 99,882,000 | 100,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,108,000 | 8,960,000 | 11,780,000 |
| Interest expense | 556,000 | 1,050,000 | 1,466,000 | 1,880,000 |
| Net interest income | 2,562,000 | 5,058,000 | 7,494,000 | 9,900,000 |
| Noninterest income | 113,000 | 316,000 | 389,000 | 509,000 |
| Noninterest expense | 1,233,000 | 2,598,000 | 3,752,000 | 5,038,000 |
| Provision for loan losses | 54,000 | 125,000 | 135,000 | 138,000 |
| Pretax income | 1,388,000 | 2,651,000 | 3,996,000 | 5,233,000 |
| Income tax | 578,000 | 1,107,000 | 1,665,000 | 2,175,000 |
| Net income | 810,000 | 1,544,000 | 2,331,000 | 3,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,361,000 | 99,095,000 | 99,882,000 | 100,608,000 |
| Total capital | 100,097,000 | 100,799,000 | 101,563,000 | 102,299,000 |
| Risk-weighted assets | 138,015,000 | 135,147,000 | 133,256,000 | 134,005,000 |