Call reports 2003
ELKHART STATE BANK, THE — 2003
What ELKHART STATE BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 46,354,000 | 47,458,000 | 46,452,000 | 46,783,000 |
| Total loans | 14,709,000 | 14,938,000 | 15,212,000 | 15,181,000 |
| Allowance for loan losses | 253,000 | 254,000 | 260,000 | 801,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,239,000 | 22,167,000 | 25,403,000 | 25,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,123,000 | 43,326,000 | 42,124,000 | 42,951,000 |
| Interest-bearing deposits | 30,352,000 | 31,601,000 | 31,012,000 | 30,678,000 |
| Noninterest-bearing deposits | 11,771,000 | 11,725,000 | 11,112,000 | 12,273,000 |
| Equity capital | 3,869,000 | 3,751,000 | 3,934,000 | 3,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 672,000 | 1,336,000 | 2,014,000 | 2,719,000 |
| Interest expense | 124,000 | 233,000 | 338,000 | 443,000 |
| Net interest income | 548,000 | 1,103,000 | 1,676,000 | 2,276,000 |
| Noninterest income | 178,000 | 363,000 | 556,000 | 748,000 |
| Noninterest expense | 516,000 | 1,146,000 | 1,656,000 | 2,555,000 |
| Provision for loan losses | 10,000 | 30,000 | 40,000 | 585,000 |
| Pretax income | 200,000 | 290,000 | 536,000 | -116,000 |
| Income tax | 58,000 | 85,000 | 148,000 | -76,000 |
| Net income | 142,000 | 205,000 | 388,000 | -40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,869,000 | 3,751,000 | 3,934,000 | 3,470,000 |
| Total capital | 4,080,000 | 3,968,000 | 4,142,000 | 3,683,000 |
| Risk-weighted assets | 16,810,000 | 17,301,000 | 16,611,000 | 16,413,000 |
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