Call reports 2003
EARLHAM SAVINGS BANK — 2003
What EARLHAM SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 207,799,000 | 201,645,000 | 200,006,000 | 202,257,000 |
| Total loans | 105,680,000 | 104,660,000 | 108,707,000 | 109,302,000 |
| Allowance for loan losses | 1,303,000 | 1,363,000 | 1,071,000 | 1,104,000 |
| Securities available for sale | 81,988,000 | 82,856,000 | 77,112,000 | 76,444,000 |
| Securities held to maturity | 5,095,000 | 3,421,000 | 3,287,000 | 3,277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,459,000 | 177,805,000 | 175,183,000 | 175,263,000 |
| Interest-bearing deposits | 170,735,000 | 162,488,000 | 157,622,000 | 158,083,000 |
| Noninterest-bearing deposits | 15,724,000 | 15,317,000 | 17,561,000 | 17,180,000 |
| Equity capital | 18,960,000 | 20,418,000 | 20,183,000 | 20,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,644,000 | 5,238,000 | 7,757,000 | 10,314,000 |
| Interest expense | 1,106,000 | 2,094,000 | 2,934,000 | 3,761,000 |
| Net interest income | 1,538,000 | 3,144,000 | 4,823,000 | 6,553,000 |
| Noninterest income | 182,000 | 388,000 | 627,000 | 757,000 |
| Noninterest expense | 933,000 | 1,789,000 | 2,859,000 | 3,997,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 787,000 | 1,743,000 | 2,550,000 | 3,272,000 |
| Income tax | 184,000 | 424,000 | 624,000 | 781,000 |
| Net income | 603,000 | 1,319,000 | 1,926,000 | 2,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,430,000 | 18,146,000 | 18,753,000 | 19,318,000 |
| Total capital | 18,733,000 | 19,509,000 | 19,824,000 | 20,422,000 |
| Risk-weighted assets | 111,461,000 | 109,627,000 | 114,133,000 | 115,370,000 |