Call reports 2012
ELKHART STATE BANK, THE — 2012
What ELKHART STATE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 48,552,000 | 50,593,000 | 54,524,000 | 57,387,000 |
| Total loans | 19,760,000 | 21,166,000 | 21,820,000 | 22,122,000 |
| Allowance for loan losses | 478,000 | 494,000 | 514,000 | 425,000 |
| Securities available for sale | 21,863,000 | 21,709,000 | 25,326,000 | 28,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,603,000 | 43,408,000 | 47,060,000 | 50,392,000 |
| Interest-bearing deposits | 23,135,000 | 25,248,000 | 28,298,000 | 31,139,000 |
| Noninterest-bearing deposits | 18,468,000 | 18,160,000 | 18,762,000 | 19,253,000 |
| Equity capital | 6,469,000 | 6,643,000 | 6,874,000 | 6,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 651,000 | 1,334,000 | 2,053,000 | 2,755,000 |
| Interest expense | 55,000 | 112,000 | 175,000 | 246,000 |
| Net interest income | 596,000 | 1,222,000 | 1,878,000 | 2,509,000 |
| Noninterest income | 100,000 | 207,000 | 317,000 | 430,000 |
| Noninterest expense | 614,000 | 1,163,000 | 1,654,000 | 2,314,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 340,000 |
| Pretax income | 120,000 | 289,000 | 539,000 | 502,000 |
| Income tax | -18,000 | 6,000 | 108,000 | 69,000 |
| Net income | 138,000 | 283,000 | 431,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,108,000 | 6,253,000 | 6,401,000 | 6,363,000 |
| Total capital | 6,470,000 | 6,638,000 | 6,811,000 | 6,768,000 |
| Risk-weighted assets | 28,804,000 | 30,653,000 | 32,729,000 | 32,417,000 |