Call reports 2004
ELKHART STATE BANK, THE — 2004
What ELKHART STATE BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 47,856,000 | 44,436,000 | 44,447,000 | 43,570,000 |
| Total loans | 14,929,000 | 13,947,000 | 13,841,000 | 13,238,000 |
| Allowance for loan losses | 527,000 | 222,000 | 540,000 | 699,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,218,000 | 25,126,000 | 25,268,000 | 23,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,897,000 | 40,503,000 | 39,310,000 | 38,464,000 |
| Interest-bearing deposits | 31,219,000 | 28,269,000 | 26,983,000 | 25,454,000 |
| Noninterest-bearing deposits | 12,678,000 | 12,234,000 | 12,327,000 | 13,010,000 |
| Equity capital | 3,628,000 | 3,602,000 | 4,803,000 | 4,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 678,000 | 1,304,000 | 1,953,000 | 2,574,000 |
| Interest expense | 104,000 | 188,000 | 254,000 | 317,000 |
| Net interest income | 574,000 | 1,116,000 | 1,699,000 | 2,257,000 |
| Noninterest income | 187,000 | 376,000 | 559,000 | 694,000 |
| Noninterest expense | 543,000 | 1,205,000 | 1,721,000 | 2,293,000 |
| Provision for loan losses | 0 | 95,000 | 424,000 | 593,000 |
| Pretax income | 218,000 | 192,000 | 113,000 | 65,000 |
| Income tax | 60,000 | 60,000 | 30,000 | 17,000 |
| Net income | 158,000 | 132,000 | 83,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,628,000 | 3,602,000 | 4,803,000 | 4,768,000 |
| Total capital | 3,840,000 | 3,797,000 | 4,996,000 | 4,960,000 |
| Risk-weighted assets | 16,644,000 | 15,563,000 | 15,122,000 | 14,865,000 |
Machine access — free, no API key
Every figure shown here about ELKHART STATE BANK, THE — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.