Call reports 2016
EARLHAM SAVINGS BANK — 2016
What EARLHAM SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 276,351,000 | 273,863,000 | 275,604,000 | 280,447,000 |
| Total loans | 161,115,000 | 164,169,000 | 164,701,000 | 168,501,000 |
| Allowance for loan losses | 2,553,000 | 2,426,000 | 2,547,000 | 2,341,000 |
| Securities available for sale | 92,457,000 | 89,559,000 | 87,331,000 | 91,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,805,000 | 248,721,000 | 250,342,000 | 255,406,000 |
| Interest-bearing deposits | 199,226,000 | 197,539,000 | 197,802,000 | 201,323,000 |
| Noninterest-bearing deposits | 52,579,000 | 51,182,000 | 52,540,000 | 54,083,000 |
| Equity capital | 23,942,000 | 24,586,000 | 24,682,000 | 24,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,287,000 | 4,595,000 | 6,983,000 | 9,368,000 |
| Interest expense | 222,000 | 450,000 | 656,000 | 870,000 |
| Net interest income | 2,065,000 | 4,145,000 | 6,327,000 | 8,498,000 |
| Noninterest income | 382,000 | 767,000 | 1,117,000 | 1,541,000 |
| Noninterest expense | 1,684,000 | 3,387,000 | 5,359,000 | 7,260,000 |
| Provision for loan losses | 60,000 | 240,000 | 420,000 | 600,000 |
| Pretax income | 703,000 | 1,285,000 | 1,705,000 | 2,258,000 |
| Income tax | 233,000 | 401,000 | 510,000 | 601,000 |
| Net income | 470,000 | 884,000 | 1,195,000 | 1,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,782,000 | 24,195,000 | 24,506,000 | 24,968,000 |
| Total capital | 25,910,000 | 26,289,000 | 26,660,000 | 27,150,000 |
| Risk-weighted assets | 169,799,000 | 167,198,000 | 171,980,000 | 174,413,000 |