Call reports 2011
EARLHAM SAVINGS BANK — 2011
What EARLHAM SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 257,679,000 | 256,185,000 | 265,507,000 | 268,250,000 |
| Total loans | 152,095,000 | 155,120,000 | 163,668,000 | 175,107,000 |
| Allowance for loan losses | 2,115,000 | 2,392,000 | 2,595,000 | 2,416,000 |
| Securities available for sale | 90,660,000 | 87,772,000 | 86,808,000 | 75,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,626,000 | 223,491,000 | 221,061,000 | 229,894,000 |
| Interest-bearing deposits | 197,694,000 | 195,575,000 | 192,654,000 | 197,220,000 |
| Noninterest-bearing deposits | 26,932,000 | 27,916,000 | 28,407,000 | 32,673,000 |
| Equity capital | 29,750,000 | 30,458,000 | 31,169,000 | 31,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,503,000 | 5,100,000 | 7,716,000 | 10,405,000 |
| Interest expense | 615,000 | 1,171,000 | 1,692,000 | 2,200,000 |
| Net interest income | 1,888,000 | 3,929,000 | 6,024,000 | 8,205,000 |
| Noninterest income | 269,000 | 521,000 | 829,000 | 1,151,000 |
| Noninterest expense | 1,647,000 | 3,202,000 | 4,858,000 | 7,384,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 210,000 | 648,000 | 1,375,000 | 1,451,000 |
| Income tax | -2,000 | 108,000 | 335,000 | 308,000 |
| Net income | 212,000 | 540,000 | 1,040,000 | 1,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,589,000 | 29,954,000 | 30,492,000 | 30,632,000 |
| Total capital | 31,646,000 | 31,996,000 | 32,668,000 | 32,932,000 |
| Risk-weighted assets | 164,538,000 | 162,994,000 | 173,713,000 | 184,181,000 |