Call reports 2009
EARLHAM SAVINGS BANK — 2009
What EARLHAM SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 205,435,000 | 220,373,000 | 226,822,000 | 232,957,000 |
| Total loans | 124,210,000 | 134,837,000 | 140,157,000 | 140,852,000 |
| Allowance for loan losses | 2,020,000 | 1,968,000 | 2,023,000 | 2,089,000 |
| Securities available for sale | 66,642,000 | 67,407,000 | 75,305,000 | 77,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,931,000 | 191,778,000 | 196,494,000 | 201,116,000 |
| Interest-bearing deposits | 156,055,000 | 168,939,000 | 174,084,000 | 178,305,000 |
| Noninterest-bearing deposits | 20,876,000 | 22,839,000 | 22,410,000 | 22,811,000 |
| Equity capital | 27,542,000 | 27,664,000 | 27,889,000 | 28,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,391,000 | 4,947,000 | 7,724,000 | 10,778,000 |
| Interest expense | 793,000 | 1,640,000 | 2,497,000 | 3,359,000 |
| Net interest income | 1,598,000 | 3,307,000 | 5,227,000 | 7,419,000 |
| Noninterest income | 243,000 | 526,000 | 758,000 | 1,048,000 |
| Noninterest expense | 1,340,000 | 2,780,000 | 4,596,000 | 6,487,000 |
| Provision for loan losses | 150,000 | 500,000 | 650,000 | 800,000 |
| Pretax income | 726,000 | 928,000 | 1,114,000 | 1,537,000 |
| Income tax | 126,000 | 77,000 | 66,000 | 152,000 |
| Net income | 600,000 | 851,000 | 1,048,000 | 1,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,318,000 | 27,138,000 | 27,299,000 | 27,674,000 |
| Total capital | 28,937,000 | 28,888,000 | 29,102,000 | 29,576,000 |
| Risk-weighted assets | 129,185,000 | 139,788,000 | 145,214,000 | 151,980,000 |