Call reports 2008
EARLHAM SAVINGS BANK — 2008
What EARLHAM SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 196,202,000 | 206,775,000 | 201,387,000 | 203,951,000 |
| Total loans | 123,007,000 | 127,943,000 | 123,362,000 | 127,884,000 |
| Allowance for loan losses | 1,620,000 | 1,771,000 | 1,877,000 | 2,078,000 |
| Securities available for sale | 49,861,000 | 69,511,000 | 66,811,000 | 69,511,000 |
| Securities held to maturity | 70,000 | 70,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,564,000 | 180,147,000 | 174,199,000 | 169,797,000 |
| Interest-bearing deposits | 151,009,000 | 146,908,000 | 153,137,000 | 150,036,000 |
| Noninterest-bearing deposits | 18,555,000 | 33,239,000 | 21,062,000 | 19,760,000 |
| Equity capital | 25,672,000 | 25,783,000 | 26,396,000 | 27,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,783,000 | 5,535,000 | 8,320,000 | 10,950,000 |
| Interest expense | 1,245,000 | 2,324,000 | 3,334,000 | 4,250,000 |
| Net interest income | 1,538,000 | 3,211,000 | 4,986,000 | 6,700,000 |
| Noninterest income | 266,000 | 479,000 | 763,000 | 964,000 |
| Noninterest expense | 1,379,000 | 2,472,000 | 3,747,000 | 5,105,000 |
| Provision for loan losses | 80,000 | 200,000 | 330,000 | 680,000 |
| Pretax income | 345,000 | 1,018,000 | 1,672,000 | 2,066,000 |
| Income tax | 74,000 | 268,000 | 445,000 | 543,000 |
| Net income | 271,000 | 750,000 | 1,227,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,419,000 | 25,897,000 | 26,423,000 | 26,718,000 |
| Total capital | 26,968,000 | 27,517,000 | 26,443,000 | 28,350,000 |
| Risk-weighted assets | 123,859,000 | 129,488,000 | 123,107,000 | 130,125,000 |