Call reports 2011
ELKHART STATE BANK, THE — 2011
What ELKHART STATE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 39,509,000 | 40,392,000 | 43,187,000 | 45,115,000 |
| Total loans | 18,297,000 | 18,729,000 | 19,397,000 | 19,331,000 |
| Allowance for loan losses | 475,000 | 464,000 | 477,000 | 467,000 |
| Securities available for sale | 16,743,000 | 16,834,000 | 16,962,000 | 18,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,155,000 | 33,708,000 | 36,090,000 | 38,061,000 |
| Interest-bearing deposits | 17,511,000 | 18,407,000 | 19,700,000 | 21,020,000 |
| Noninterest-bearing deposits | 15,644,000 | 15,301,000 | 16,390,000 | 17,041,000 |
| Equity capital | 5,947,000 | 6,198,000 | 6,484,000 | 6,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 577,000 | 1,213,000 | 1,867,000 | 2,526,000 |
| Interest expense | 41,000 | 82,000 | 127,000 | 176,000 |
| Net interest income | 536,000 | 1,131,000 | 1,740,000 | 2,350,000 |
| Noninterest income | 110,000 | 227,000 | 346,000 | 471,000 |
| Noninterest expense | 545,000 | 1,077,000 | 1,595,000 | 2,343,000 |
| Provision for loan losses | 0 | 25,000 | 45,000 | 45,000 |
| Pretax income | 110,000 | 265,000 | 500,000 | 487,000 |
| Income tax | 15,000 | 52,000 | 110,000 | 76,000 |
| Net income | 95,000 | 213,000 | 390,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,694,000 | 5,812,000 | 5,989,000 | 6,010,000 |
| Total capital | 6,008,000 | 6,142,000 | 6,332,000 | 6,360,000 |
| Risk-weighted assets | 24,987,000 | 26,251,000 | 27,336,000 | 27,872,000 |