Call reports 2006
ELKHART STATE BANK, THE — 2006
What ELKHART STATE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 34,992,000 | 34,696,000 | 33,010,000 | 32,172,000 |
| Total loans | 10,513,000 | 10,377,000 | 10,026,000 | 9,825,000 |
| Allowance for loan losses | 499,000 | 481,000 | 459,000 | 410,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,939,000 | 18,856,000 | 18,775,000 | 16,696,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,762,000 | 29,456,000 | 27,724,000 | 26,914,000 |
| Interest-bearing deposits | 16,035,000 | 15,507,000 | 14,458,000 | 13,741,000 |
| Noninterest-bearing deposits | 13,727,000 | 13,949,000 | 13,266,000 | 13,173,000 |
| Equity capital | 4,871,000 | 4,867,000 | 4,898,000 | 4,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 488,000 | 971,000 | 1,428,000 | 1,888,000 |
| Interest expense | 40,000 | 77,000 | 113,000 | 146,000 |
| Net interest income | 448,000 | 894,000 | 1,315,000 | 1,742,000 |
| Noninterest income | 165,000 | 316,000 | 473,000 | 611,000 |
| Noninterest expense | 560,000 | 1,143,000 | 1,648,000 | 2,223,000 |
| Provision for loan losses | 30,000 | 67,000 | 95,000 | 95,000 |
| Pretax income | 23,000 | 0 | 45,000 | 35,000 |
| Income tax | 0 | -19,000 | -5,000 | -9,000 |
| Net income | 23,000 | 19,000 | 50,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,871,000 | 4,867,000 | 4,898,000 | 4,892,000 |
| Total capital | 5,021,000 | 5,018,000 | 5,038,000 | 5,036,000 |
| Risk-weighted assets | 11,629,000 | 11,733,000 | 11,169,000 | 11,261,000 |
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