Call reports 2014
ELKHART STATE BANK, THE — 2014
What ELKHART STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,161,000 | 60,252,000 | 53,399,000 | 47,490,000 |
| Total loans | 16,952,000 | 16,530,000 | 13,746,000 | 11,249,000 |
| Allowance for loan losses | 659,000 | 1,372,000 | 1,935,000 | 2,091,000 |
| Securities available for sale | 34,469,000 | 37,474,000 | 31,360,000 | 21,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,100,000 | 55,621,000 | 49,863,000 | 45,242,000 |
| Interest-bearing deposits | 37,402,000 | 37,323,000 | 32,704,000 | 28,703,000 |
| Noninterest-bearing deposits | 17,698,000 | 18,298,000 | 17,159,000 | 16,539,000 |
| Equity capital | 4,542,000 | 4,116,000 | 635,000 | -106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,140,000 | 1,680,000 | 2,050,000 |
| Interest expense | 91,000 | 172,000 | 230,000 | 248,000 |
| Net interest income | 491,000 | 968,000 | 1,450,000 | 1,802,000 |
| Noninterest income | 89,000 | 190,000 | 273,000 | 783,000 |
| Noninterest expense | 607,000 | 1,374,000 | 2,044,000 | 2,668,000 |
| Provision for loan losses | 6,000 | 749,000 | 2,425,000 | 3,352,000 |
| Pretax income | -32,000 | -981,000 | -2,710,000 | -3,424,000 |
| Income tax | -3,000 | 2,000 | 0 | 83,000 |
| Net income | -29,000 | -983,000 | -2,710,000 | -3,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,941,000 | 4,254,000 | 2,527,000 | 1,731,000 |
| Total capital | 5,317,000 | 4,626,000 | 2,840,000 | 1,980,000 |
| Risk-weighted assets | 29,767,000 | 28,786,000 | 23,413,000 | 18,046,000 |
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