Call reports 2008
ELKHART STATE BANK, THE — 2008
What ELKHART STATE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,987,000 | 31,335,000 | 31,563,000 | 31,689,000 |
| Total loans | 10,505,000 | 11,387,000 | 11,923,000 | 12,115,000 |
| Allowance for loan losses | 297,000 | 337,000 | 354,000 | 354,000 |
| Securities available for sale | 0 | 14,155,000 | 13,205,000 | 14,264,000 |
| Securities held to maturity | 12,329,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,730,000 | 26,027,000 | 26,097,000 | 25,657,000 |
| Interest-bearing deposits | 11,644,000 | 11,230,000 | 12,186,000 | 11,417,000 |
| Noninterest-bearing deposits | 14,086,000 | 14,797,000 | 13,911,000 | 14,240,000 |
| Equity capital | 4,893,000 | 4,943,000 | 5,101,000 | 5,513,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 876,000 | 1,335,000 | 1,817,000 |
| Interest expense | 27,000 | 53,000 | 79,000 | 106,000 |
| Net interest income | 399,000 | 823,000 | 1,256,000 | 1,711,000 |
| Noninterest income | 129,000 | 300,000 | 397,000 | 526,000 |
| Noninterest expense | 535,000 | 1,014,000 | 1,548,000 | 2,062,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 25,000 |
| Pretax income | -7,000 | 89,000 | 174,000 | 239,000 |
| Income tax | -6,000 | 24,000 | 50,000 | 64,000 |
| Net income | -1,000 | 65,000 | 124,000 | 175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,740,000 | 4,836,000 | 4,895,000 | 5,049,000 |
| Total capital | 4,896,000 | 5,032,000 | 5,096,000 | 5,260,000 |
| Risk-weighted assets | 12,359,000 | 15,531,000 | 15,875,000 | 16,761,000 |
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