Call reports 2007
ELKHART STATE BANK, THE — 2007
What ELKHART STATE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 33,221,000 | 32,074,000 | 31,549,000 | 31,104,000 |
| Total loans | 9,579,000 | 9,743,000 | 10,122,000 | 10,392,000 |
| Allowance for loan losses | 393,000 | 360,000 | 358,000 | 354,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,619,000 | 14,544,000 | 14,470,000 | 14,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,983,000 | 26,807,000 | 26,339,000 | 25,846,000 |
| Interest-bearing deposits | 13,910,000 | 13,232,000 | 12,410,000 | 11,840,000 |
| Noninterest-bearing deposits | 14,073,000 | 13,575,000 | 13,929,000 | 14,006,000 |
| Equity capital | 4,875,000 | 4,904,000 | 4,847,000 | 4,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 897,000 | 1,354,000 | 1,825,000 |
| Interest expense | 32,000 | 65,000 | 93,000 | 122,000 |
| Net interest income | 403,000 | 832,000 | 1,261,000 | 1,703,000 |
| Noninterest income | 162,000 | 308,000 | 457,000 | 620,000 |
| Noninterest expense | 545,000 | 1,070,000 | 1,728,000 | 2,266,000 |
| Provision for loan losses | 53,000 | 75,000 | 83,000 | 90,000 |
| Pretax income | -33,000 | -5,000 | -93,000 | -33,000 |
| Income tax | -16,000 | -17,000 | -48,000 | -35,000 |
| Net income | -17,000 | 12,000 | -45,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,875,000 | 4,775,000 | 4,687,000 | 4,747,000 |
| Total capital | 5,020,000 | 4,923,000 | 4,837,000 | 4,898,000 |
| Risk-weighted assets | 11,316,000 | 11,623,000 | 11,780,000 | 11,863,000 |
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