Call reports 2010
ELKHART STATE BANK, THE — 2010
What ELKHART STATE BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 34,698,000 | 35,488,000 | 37,305,000 | 38,515,000 |
| Total loans | 15,012,000 | 15,646,000 | 16,715,000 | 17,544,000 |
| Allowance for loan losses | 493,000 | 389,000 | 400,000 | 455,000 |
| Securities available for sale | 15,255,000 | 16,024,000 | 16,344,000 | 16,196,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,510,000 | 29,181,000 | 30,625,000 | 32,267,000 |
| Interest-bearing deposits | 14,520,000 | 15,274,000 | 16,733,000 | 17,203,000 |
| Noninterest-bearing deposits | 13,990,000 | 13,907,000 | 13,892,000 | 15,064,000 |
| Equity capital | 5,730,000 | 5,826,000 | 6,093,000 | 5,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,086,000 | 1,664,000 | 2,278,000 |
| Interest expense | 33,000 | 69,000 | 105,000 | 145,000 |
| Net interest income | 507,000 | 1,017,000 | 1,559,000 | 2,133,000 |
| Noninterest income | 123,000 | 248,000 | 391,000 | 517,000 |
| Noninterest expense | 502,000 | 1,058,000 | 1,543,000 | 2,120,000 |
| Provision for loan losses | 50,000 | 95,000 | 135,000 | 240,000 |
| Pretax income | 201,000 | 235,000 | 395,000 | 413,000 |
| Income tax | 44,000 | 38,000 | 76,000 | 53,000 |
| Net income | 157,000 | 197,000 | 319,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,436,000 | 5,476,000 | 5,598,000 | 5,599,000 |
| Total capital | 5,725,000 | 5,722,000 | 5,648,000 | 5,877,000 |
| Risk-weighted assets | 22,910,000 | 19,531,000 | 20,401,000 | 22,108,000 |