Call reports 2002
EARLHAM SAVINGS BANK — 2002
What EARLHAM SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 205,238,000 | 193,953,000 | 201,177,000 | 203,351,000 |
| Total loans | 123,144,000 | 119,164,000 | 117,885,000 | 110,702,000 |
| Allowance for loan losses | 1,719,000 | 1,750,000 | 1,262,000 | 1,291,000 |
| Securities available for sale | 61,135,000 | 56,725,000 | 64,602,000 | 74,775,000 |
| Securities held to maturity | 6,950,000 | 5,205,000 | 5,106,000 | 5,095,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,662,000 | 175,403,000 | 180,930,000 | 182,629,000 |
| Interest-bearing deposits | 167,552,000 | 161,921,000 | 166,638,000 | 166,733,000 |
| Noninterest-bearing deposits | 14,110,000 | 13,482,000 | 14,292,000 | 15,896,000 |
| Equity capital | 15,293,000 | 16,587,000 | 17,881,000 | 18,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,088,000 | 6,023,000 | 8,896,000 | 11,721,000 |
| Interest expense | 1,672,000 | 3,163,000 | 4,495,000 | 5,719,000 |
| Net interest income | 1,416,000 | 2,860,000 | 4,401,000 | 6,002,000 |
| Noninterest income | 174,000 | 356,000 | 548,000 | 1,055,000 |
| Noninterest expense | 900,000 | 1,726,000 | 2,563,000 | 3,442,000 |
| Provision for loan losses | 0 | 0 | 150,000 | 750,000 |
| Pretax income | 690,000 | 1,490,000 | 2,264,000 | 2,893,000 |
| Income tax | 158,000 | 362,000 | 561,000 | 693,000 |
| Net income | 532,000 | 1,128,000 | 1,703,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,159,000 | 15,755,000 | 16,330,000 | 16,827,000 |
| Total capital | 16,676,000 | 17,221,000 | 17,592,000 | 18,118,000 |
| Risk-weighted assets | 121,189,000 | 116,990,000 | 119,041,000 | 114,505,000 |