Call reports 2012
EARLHAM SAVINGS BANK — 2012
What EARLHAM SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 268,651,000 | 273,054,000 | 278,537,000 | 285,880,000 |
| Total loans | 179,855,000 | 187,794,000 | 192,111,000 | 197,240,000 |
| Allowance for loan losses | 2,597,000 | 2,706,000 | 2,948,000 | 3,020,000 |
| Securities available for sale | 73,779,000 | 65,209,000 | 70,021,000 | 64,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,508,000 | 240,763,000 | 243,562,000 | 259,398,000 |
| Interest-bearing deposits | 203,831,000 | 208,077,000 | 208,034,000 | 222,605,000 |
| Noninterest-bearing deposits | 31,678,000 | 32,687,000 | 35,528,000 | 36,793,000 |
| Equity capital | 31,424,000 | 31,720,000 | 32,003,000 | 25,872,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,702,000 | 5,507,000 | 8,338,000 | 11,270,000 |
| Interest expense | 468,000 | 923,000 | 1,376,000 | 1,821,000 |
| Net interest income | 2,234,000 | 4,584,000 | 6,962,000 | 9,449,000 |
| Noninterest income | 307,000 | 612,000 | 958,000 | 1,345,000 |
| Noninterest expense | 1,794,000 | 3,744,000 | 5,663,000 | 7,647,000 |
| Provision for loan losses | 315,000 | 630,000 | 945,000 | 1,260,000 |
| Pretax income | 432,000 | 822,000 | 1,312,000 | 1,872,000 |
| Income tax | 87,000 | 186,000 | 310,000 | 534,000 |
| Net income | 345,000 | 636,000 | 1,002,000 | 1,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,017,000 | 30,329,000 | 30,835,000 | 24,906,000 |
| Total capital | 33,372,000 | 32,747,000 | 33,277,000 | 27,387,000 |
| Risk-weighted assets | 188,193,000 | 193,164,000 | 194,853,000 | 197,963,000 |