Call reports 2014
EARLHAM SAVINGS BANK — 2014
What EARLHAM SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 267,438,000 | 262,532,000 | 263,152,000 | 258,875,000 |
| Total loans | 167,019,000 | 164,627,000 | 163,618,000 | 168,034,000 |
| Allowance for loan losses | 2,266,000 | 2,345,000 | 2,454,000 | 2,600,000 |
| Securities available for sale | 75,992,000 | 71,264,000 | 69,866,000 | 64,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,298,000 | 234,817,000 | 235,089,000 | 231,081,000 |
| Interest-bearing deposits | 201,017,000 | 195,174,000 | 193,755,000 | 189,913,000 |
| Noninterest-bearing deposits | 39,281,000 | 39,643,000 | 41,334,000 | 41,168,000 |
| Equity capital | 26,661,000 | 27,063,000 | 27,188,000 | 27,276,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,415,000 | 4,755,000 | 7,123,000 | 9,479,000 |
| Interest expense | 207,000 | 403,000 | 588,000 | 792,000 |
| Net interest income | 2,208,000 | 4,352,000 | 6,535,000 | 8,687,000 |
| Noninterest income | 349,000 | 333,000 | 700,000 | 951,000 |
| Noninterest expense | 1,944,000 | 3,662,000 | 5,373,000 | 7,572,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 200,000 |
| Pretax income | 106,000 | 496,000 | 1,295,000 | 1,349,000 |
| Income tax | 22,000 | 168,000 | 455,000 | 479,000 |
| Net income | 84,000 | 328,000 | 840,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,755,000 | 26,999,000 | 27,158,000 | 27,188,000 |
| Total capital | 28,796,000 | 28,977,000 | 29,118,000 | 29,182,000 |
| Risk-weighted assets | 162,492,000 | 157,664,000 | 155,739,000 | 158,450,000 |