Call reports 2001
EARLHAM SAVINGS BANK — 2001
What EARLHAM SAVINGS BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 189,845,000 | 193,248,000 | 199,654,000 | 204,463,000 |
| Total loans | 121,465,000 | 122,322,000 | 122,073,000 | 124,455,000 |
| Allowance for loan losses | 1,262,000 | 1,303,000 | 1,579,000 | 1,500,000 |
| Securities available for sale | 32,632,000 | 46,752,000 | 58,673,000 | 61,701,000 |
| Securities held to maturity | 8,074,000 | 7,354,000 | 7,355,000 | 7,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,910,000 | 177,164,000 | 182,404,000 | 187,243,000 |
| Interest-bearing deposits | 161,174,000 | 164,770,000 | 170,154,000 | 172,989,000 |
| Noninterest-bearing deposits | 12,736,000 | 12,394,000 | 12,250,000 | 14,254,000 |
| Equity capital | 13,474,000 | 13,877,000 | 14,856,000 | 15,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,200,000 | 6,404,000 | 9,598,000 | 12,909,000 |
| Interest expense | 2,270,000 | 4,489,000 | 6,533,000 | 8,343,000 |
| Net interest income | 930,000 | 1,915,000 | 3,065,000 | 4,566,000 |
| Noninterest income | 220,000 | 521,000 | 706,000 | 907,000 |
| Noninterest expense | 878,000 | 1,522,000 | 2,250,000 | 3,120,000 |
| Provision for loan losses | 50,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 222,000 | 764,000 | 1,376,000 | 2,208,000 |
| Income tax | 1,000 | 120,000 | 266,000 | 467,000 |
| Net income | 221,000 | 644,000 | 1,110,000 | 1,741,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,566,000 | 12,972,000 | 13,435,000 | 14,627,000 |
| Total capital | 13,828,000 | 14,275,000 | 14,914,000 | 16,127,000 |
| Risk-weighted assets | 120,784,000 | 118,849,000 | 118,227,000 | 124,667,000 |