Call reports 2005
EARLHAM SAVINGS BANK — 2005
What EARLHAM SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 194,950,000 | 188,003,000 | 187,769,000 | 189,899,000 |
| Total loans | 108,794,000 | 107,519,000 | 101,643,000 | 102,858,000 |
| Allowance for loan losses | 1,095,000 | 1,101,000 | 1,265,000 | 1,273,000 |
| Securities available for sale | 74,678,000 | 68,867,000 | 72,423,000 | 71,158,000 |
| Securities held to maturity | 1,573,000 | 819,000 | 819,000 | 819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,919,000 | 164,732,000 | 164,455,000 | 166,410,000 |
| Interest-bearing deposits | 150,802,000 | 145,302,000 | 144,498,000 | 143,608,000 |
| Noninterest-bearing deposits | 19,117,000 | 19,430,000 | 19,957,000 | 22,802,000 |
| Equity capital | 21,869,000 | 22,511,000 | 22,626,000 | 22,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,331,000 | 4,587,000 | 6,838,000 | 9,136,000 |
| Interest expense | 836,000 | 1,721,000 | 2,731,000 | 3,785,000 |
| Net interest income | 1,495,000 | 2,866,000 | 4,107,000 | 5,351,000 |
| Noninterest income | 193,000 | 386,000 | 616,000 | 825,000 |
| Noninterest expense | 1,030,000 | 1,965,000 | 3,005,000 | 4,062,000 |
| Provision for loan losses | 225,000 | 300,000 | 350,000 | 350,000 |
| Pretax income | 514,000 | 1,035,000 | 1,343,000 | 1,739,000 |
| Income tax | 70,000 | 130,000 | 150,000 | 199,000 |
| Net income | 444,000 | 905,000 | 1,193,000 | 1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,933,000 | 22,393,000 | 22,680,000 | 22,598,000 |
| Total capital | 23,028,000 | 23,494,000 | 23,945,000 | 23,871,000 |
| Risk-weighted assets | 113,626,000 | 110,979,000 | 106,689,000 | 108,112,000 |