Call reports 2015
EARLHAM SAVINGS BANK — 2015
What EARLHAM SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 267,779,000 | 264,239,000 | 271,157,000 | 270,760,000 |
| Total loans | 160,154,000 | 159,591,000 | 161,309,000 | 164,964,000 |
| Allowance for loan losses | 2,494,000 | 2,621,000 | 2,655,000 | 2,599,000 |
| Securities available for sale | 78,971,000 | 78,013,000 | 78,669,000 | 82,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,146,000 | 237,218,000 | 243,720,000 | 246,956,000 |
| Interest-bearing deposits | 199,006,000 | 191,861,000 | 195,500,000 | 197,210,000 |
| Noninterest-bearing deposits | 42,140,000 | 45,357,000 | 48,220,000 | 49,746,000 |
| Equity capital | 25,987,000 | 26,158,000 | 26,719,000 | 23,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,298,000 | 4,565,000 | 6,857,000 | 9,185,000 |
| Interest expense | 229,000 | 462,000 | 682,000 | 900,000 |
| Net interest income | 2,069,000 | 4,103,000 | 6,175,000 | 8,285,000 |
| Noninterest income | 327,000 | 682,000 | 1,063,000 | 1,486,000 |
| Noninterest expense | 1,771,000 | 3,448,000 | 5,210,000 | 7,223,000 |
| Provision for loan losses | 150,000 | 300,000 | 300,000 | 300,000 |
| Pretax income | 467,000 | 1,160,000 | 1,851,000 | 2,371,000 |
| Income tax | 168,000 | 415,000 | 654,000 | 830,000 |
| Net income | 299,000 | 745,000 | 1,197,000 | 1,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,618,000 | 26,064,000 | 26,516,000 | 23,311,000 |
| Total capital | 27,902,000 | 28,315,000 | 28,864,000 | 25,511,000 |
| Risk-weighted assets | 182,546,000 | 179,707,000 | 187,540,000 | 175,641,000 |