Call reports 2013
EARLHAM SAVINGS BANK — 2013
What EARLHAM SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 287,087,000 | 280,539,000 | 275,548,000 | 275,969,000 |
| Total loans | 193,096,000 | 190,817,000 | 186,674,000 | 173,940,000 |
| Allowance for loan losses | 2,886,000 | 2,921,000 | 2,831,000 | 2,568,000 |
| Securities available for sale | 79,597,000 | 69,632,000 | 71,490,000 | 78,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,892,000 | 254,227,000 | 248,238,000 | 249,382,000 |
| Interest-bearing deposits | 223,071,000 | 217,924,000 | 206,522,000 | 207,431,000 |
| Noninterest-bearing deposits | 36,821,000 | 36,303,000 | 41,716,000 | 41,951,000 |
| Equity capital | 26,277,000 | 25,788,000 | 26,124,000 | 26,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,748,000 | 5,478,000 | 8,167,000 | 10,760,000 |
| Interest expense | 365,000 | 679,000 | 958,000 | 1,190,000 |
| Net interest income | 2,383,000 | 4,799,000 | 7,209,000 | 9,570,000 |
| Noninterest income | 506,000 | 817,000 | 1,164,000 | 1,567,000 |
| Noninterest expense | 2,057,000 | 4,071,000 | 6,107,000 | 8,395,000 |
| Provision for loan losses | 150,000 | 355,000 | 670,000 | 775,000 |
| Pretax income | 682,000 | 1,108,000 | 1,134,000 | 1,505,000 |
| Income tax | 194,000 | 349,000 | 351,000 | 451,000 |
| Net income | 488,000 | 759,000 | 783,000 | 1,054,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,537,000 | 25,948,000 | 26,114,000 | 26,525,000 |
| Total capital | 27,940,000 | 28,318,000 | 28,387,000 | 28,644,000 |
| Risk-weighted assets | 191,741,000 | 189,059,000 | 181,268,000 | 168,492,000 |