Call reports 2015
ELIZABETHTON FEDERAL SAVINGS BANK — 2015
What ELIZABETHTON FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 323,706,000 | 320,762,000 | 320,330,000 | 317,175,000 |
| Total loans | 137,873,000 | 135,990,000 | 134,119,000 | 134,042,000 |
| Allowance for loan losses | 2,504,000 | 2,504,000 | 2,505,000 | 2,505,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 163,376,000 | 159,909,000 | 164,415,000 | 155,378,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,249,000 | 205,232,000 | 204,620,000 | 202,039,000 |
| Interest-bearing deposits | 204,172,000 | 200,315,000 | 199,223,000 | 198,149,000 |
| Noninterest-bearing deposits | 4,077,000 | 4,917,000 | 5,397,000 | 3,890,000 |
| Equity capital | 106,527,000 | 107,114,000 | 107,800,000 | 108,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,363,000 | 4,712,000 | 7,033,000 | 9,306,000 |
| Interest expense | 246,000 | 482,000 | 714,000 | 938,000 |
| Net interest income | 2,117,000 | 4,230,000 | 6,319,000 | 8,368,000 |
| Noninterest income | 104,000 | 203,000 | 307,000 | 425,000 |
| Noninterest expense | 1,062,000 | 2,278,000 | 3,302,000 | 4,494,000 |
| Provision for loan losses | 0 | 0 | 1,000 | 1,000 |
| Pretax income | 1,159,000 | 2,155,000 | 3,323,000 | 4,298,000 |
| Income tax | 473,000 | 882,000 | 1,364,000 | 1,775,000 |
| Net income | 686,000 | 1,273,000 | 1,959,000 | 2,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,527,000 | 107,114,000 | 107,800,000 | 108,364,000 |
| Total capital | 107,956,000 | 108,587,000 | 109,204,000 | 109,741,000 |
| Risk-weighted assets | 113,274,000 | 116,880,000 | 111,239,000 | 109,104,000 |