Call reports 2005
ELKHART STATE BANK, THE — 2005
What ELKHART STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 41,057,000 | 39,684,000 | 39,119,000 | 37,060,000 |
| Total loans | 12,456,000 | 12,014,000 | 11,873,000 | 11,253,000 |
| Allowance for loan losses | 511,000 | 544,000 | 550,000 | 453,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,323,000 | 24,220,000 | 24,119,000 | 21,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,756,000 | 32,985,000 | 33,286,000 | 31,857,000 |
| Interest-bearing deposits | 21,651,000 | 19,302,000 | 19,585,000 | 18,609,000 |
| Noninterest-bearing deposits | 13,105,000 | 13,683,000 | 13,701,000 | 13,248,000 |
| Equity capital | 4,720,000 | 4,826,000 | 4,858,000 | 4,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,097,000 | 1,632,000 | 2,154,000 |
| Interest expense | 60,000 | 119,000 | 180,000 | 232,000 |
| Net interest income | 480,000 | 978,000 | 1,452,000 | 1,922,000 |
| Noninterest income | 158,000 | 365,000 | 538,000 | 695,000 |
| Noninterest expense | 551,000 | 1,099,000 | 1,686,000 | 2,240,000 |
| Provision for loan losses | 163,000 | 163,000 | 178,000 | 266,000 |
| Pretax income | -76,000 | 81,000 | 126,000 | 111,000 |
| Income tax | -28,000 | 23,000 | 36,000 | 31,000 |
| Net income | -48,000 | 58,000 | 90,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,720,000 | 4,826,000 | 4,858,000 | 4,848,000 |
| Total capital | 4,893,000 | 4,992,000 | 5,022,000 | 5,009,000 |
| Risk-weighted assets | 13,467,000 | 12,877,000 | 12,713,000 | 12,556,000 |
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