Call reports 2016
ELIZABETHTON FEDERAL SAVINGS BANK — 2016
What ELIZABETHTON FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 313,863,000 | 313,579,000 | 313,040,000 | 310,482,000 |
| Total loans | 134,319,000 | 133,274,000 | 133,050,000 | 132,471,000 |
| Allowance for loan losses | 2,645,000 | 2,405,000 | 2,205,000 | 2,145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 157,507,000 | 156,855,000 | 157,321,000 | 156,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,106,000 | 197,746,000 | 196,697,000 | 194,577,000 |
| Interest-bearing deposits | 193,511,000 | 192,570,000 | 191,005,000 | 190,152,000 |
| Noninterest-bearing deposits | 4,595,000 | 5,176,000 | 5,692,000 | 4,425,000 |
| Equity capital | 109,117,000 | 109,814,000 | 110,544,000 | 111,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,409,000 | 4,671,000 | 6,914,000 | 9,156,000 |
| Interest expense | 211,000 | 415,000 | 617,000 | 830,000 |
| Net interest income | 2,198,000 | 4,256,000 | 6,297,000 | 8,326,000 |
| Noninterest income | 122,000 | 212,000 | 316,000 | 394,000 |
| Noninterest expense | 1,082,000 | 2,300,000 | 3,414,000 | 4,564,000 |
| Provision for loan losses | -41,000 | -281,000 | -481,000 | -541,000 |
| Pretax income | 1,279,000 | 2,449,000 | 3,680,000 | 4,697,000 |
| Income tax | 526,000 | 999,000 | 1,500,000 | 1,917,000 |
| Net income | 753,000 | 1,450,000 | 2,180,000 | 2,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,117,000 | 109,814,000 | 110,544,000 | 111,144,000 |
| Total capital | 110,467,000 | 111,132,000 | 111,846,000 | 112,434,000 |
| Risk-weighted assets | 106,737,000 | 104,368,000 | 103,328,000 | 102,373,000 |