Call reports 2006
EARLHAM SAVINGS BANK — 2006
What EARLHAM SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 186,225,000 | 187,728,000 | 183,976,000 | 188,601,000 |
| Total loans | 103,903,000 | 105,726,000 | 110,486,000 | 114,128,000 |
| Allowance for loan losses | 1,002,000 | 1,576,000 | 1,525,000 | 1,535,000 |
| Securities available for sale | 64,108,000 | 69,314,000 | 61,295,000 | 61,207,000 |
| Securities held to maturity | 820,000 | 620,000 | 620,000 | 620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,655,000 | 163,873,000 | 158,108,000 | 163,856,000 |
| Interest-bearing deposits | 142,944,000 | 142,418,000 | 129,408,000 | 133,176,000 |
| Noninterest-bearing deposits | 19,711,000 | 21,455,000 | 28,700,000 | 30,680,000 |
| Equity capital | 23,034,000 | 23,189,000 | 23,684,000 | 23,891,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,342,000 | 4,820,000 | 7,516,000 | 10,222,000 |
| Interest expense | 1,081,000 | 2,305,000 | 3,686,000 | 5,138,000 |
| Net interest income | 1,261,000 | 2,515,000 | 3,830,000 | 5,084,000 |
| Noninterest income | 216,000 | 460,000 | 562,000 | 807,000 |
| Noninterest expense | 1,098,000 | 2,122,000 | 3,158,000 | 4,340,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 177,000 | 508,000 | 825,000 |
| Income tax | -22,000 | -98,000 | -8,000 | 60,000 |
| Net income | 213,000 | 275,000 | 516,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,827,000 | 23,074,000 | 23,545,000 | 23,673,000 |
| Total capital | 22,877,000 | 24,358,000 | 24,881,000 | 25,068,000 |
| Risk-weighted assets | 106,958,000 | 102,444,000 | 106,704,000 | 111,442,000 |