Call reports 2007
EARLHAM SAVINGS BANK — 2007
What EARLHAM SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 196,112,000 | 190,646,000 | 190,464,000 | 189,219,000 |
| Total loans | 110,294,000 | 115,987,000 | 117,453,000 | 120,430,000 |
| Allowance for loan losses | 1,674,000 | 1,344,000 | 1,681,000 | 1,519,000 |
| Securities available for sale | 74,287,000 | 65,252,000 | 61,408,000 | 55,811,000 |
| Securities held to maturity | 620,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,865,000 | 161,966,000 | 164,465,000 | 163,142,000 |
| Interest-bearing deposits | 150,198,000 | 134,691,000 | 144,725,000 | 143,727,000 |
| Noninterest-bearing deposits | 18,667,000 | 27,275,000 | 19,740,000 | 19,415,000 |
| Equity capital | 24,175,000 | 24,418,000 | 24,995,000 | 25,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,793,000 | 5,619,000 | 8,484,000 | 11,345,000 |
| Interest expense | 1,447,000 | 2,919,000 | 4,355,000 | 5,683,000 |
| Net interest income | 1,346,000 | 2,700,000 | 4,129,000 | 5,662,000 |
| Noninterest income | 205,000 | 437,000 | 660,000 | 905,000 |
| Noninterest expense | 1,153,000 | 2,249,000 | 3,336,000 | 4,604,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 398,000 | 878,000 | 1,443,000 | 2,022,000 |
| Income tax | 108,000 | 259,000 | 441,000 | 620,000 |
| Net income | 290,000 | 619,000 | 1,002,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,962,000 | 24,322,000 | 24,770,000 | 25,195,000 |
| Total capital | 25,283,000 | 25,666,000 | 26,178,000 | 26,671,000 |
| Risk-weighted assets | 105,365,000 | 111,691,000 | 112,367,000 | 119,283,000 |