Call reports 2009
ELKHART STATE BANK, THE — 2009
What ELKHART STATE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 32,800,000 | 33,804,000 | 33,776,000 | 33,757,000 |
| Total loans | 12,359,000 | 13,306,000 | 14,224,000 | 14,796,000 |
| Allowance for loan losses | 393,000 | 349,000 | 381,000 | 437,000 |
| Securities available for sale | 14,584,000 | 15,796,000 | 15,854,000 | 15,551,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,847,000 | 27,902,000 | 27,463,000 | 27,570,000 |
| Interest-bearing deposits | 12,374,000 | 13,333,000 | 13,452,000 | 13,529,000 |
| Noninterest-bearing deposits | 14,473,000 | 14,569,000 | 14,011,000 | 14,041,000 |
| Equity capital | 5,472,000 | 5,416,000 | 5,743,000 | 5,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 961,000 | 1,494,000 | 2,020,000 |
| Interest expense | 27,000 | 57,000 | 88,000 | 120,000 |
| Net interest income | 436,000 | 904,000 | 1,406,000 | 1,900,000 |
| Noninterest income | 109,000 | 236,000 | 376,000 | 522,000 |
| Noninterest expense | 511,000 | 1,073,000 | 1,551,000 | 2,052,000 |
| Provision for loan losses | 20,000 | 70,000 | 110,000 | 185,000 |
| Pretax income | 108,000 | 91,000 | 221,000 | 285,000 |
| Income tax | 27,000 | 11,000 | 40,000 | 25,000 |
| Net income | 81,000 | 80,000 | 181,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,131,000 | 5,129,000 | 5,230,000 | 5,279,000 |
| Total capital | 5,344,000 | 5,353,000 | 5,458,000 | 5,555,000 |
| Risk-weighted assets | 16,847,000 | 17,772,000 | 18,110,000 | 21,895,000 |
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