Call reports 2004
EARLHAM SAVINGS BANK — 2004
What EARLHAM SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 197,890,000 | 198,753,000 | 201,372,000 | 202,694,000 |
| Total loans | 108,761,000 | 109,419,000 | 109,050,000 | 110,311,000 |
| Allowance for loan losses | 1,197,000 | 1,404,000 | 1,146,000 | 1,141,000 |
| Securities available for sale | 77,365,000 | 76,771,000 | 79,243,000 | 78,110,000 |
| Securities held to maturity | 3,278,000 | 1,828,000 | 1,828,000 | 1,573,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,672,000 | 176,750,000 | 177,105,000 | 176,224,000 |
| Interest-bearing deposits | 156,846,000 | 158,531,000 | 158,209,000 | 155,475,000 |
| Noninterest-bearing deposits | 17,826,000 | 18,219,000 | 18,896,000 | 20,749,000 |
| Equity capital | 21,538,000 | 21,025,000 | 21,809,000 | 21,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,301,000 | 4,637,000 | 7,006,000 | 9,430,000 |
| Interest expense | 794,000 | 1,593,000 | 2,389,000 | 3,207,000 |
| Net interest income | 1,507,000 | 3,044,000 | 4,617,000 | 6,223,000 |
| Noninterest income | 428,000 | 625,000 | 819,000 | 1,029,000 |
| Noninterest expense | 1,055,000 | 1,904,000 | 2,844,000 | 3,797,000 |
| Provision for loan losses | 100,000 | 175,000 | 300,000 | 575,000 |
| Pretax income | 793,000 | 1,644,000 | 2,346,000 | 2,858,000 |
| Income tax | 184,000 | 388,000 | 534,000 | 611,000 |
| Net income | 609,000 | 1,256,000 | 1,812,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,927,000 | 20,574,000 | 21,053,000 | 21,488,000 |
| Total capital | 21,124,000 | 21,978,000 | 22,199,000 | 22,629,000 |
| Risk-weighted assets | 113,860,000 | 114,179,000 | 115,573,000 | 116,137,000 |