Call reports 2017
EARLHAM SAVINGS BANK — 2017
What EARLHAM SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 289,278,000 | 288,756,000 | 283,986,000 | 290,231,000 |
| Total loans | 170,688,000 | 173,516,000 | 172,051,000 | 174,179,000 |
| Allowance for loan losses | 2,659,000 | 2,657,000 | 2,719,000 | 2,108,000 |
| Securities available for sale | 101,886,000 | 92,040,000 | 93,501,000 | 91,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,456,000 | 262,299,000 | 257,507,000 | 264,273,000 |
| Interest-bearing deposits | 206,106,000 | 210,153,000 | 200,124,000 | 204,547,000 |
| Noninterest-bearing deposits | 56,351,000 | 52,146,000 | 57,383,000 | 59,726,000 |
| Equity capital | 25,267,000 | 25,831,000 | 25,966,000 | 25,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,793,000 | 7,307,000 | 9,825,000 |
| Interest expense | 230,000 | 507,000 | 793,000 | 1,090,000 |
| Net interest income | 2,103,000 | 4,286,000 | 6,514,000 | 8,735,000 |
| Noninterest income | 362,000 | 725,000 | 1,057,000 | 1,499,000 |
| Noninterest expense | 1,865,000 | 3,710,000 | 6,083,000 | 8,743,000 |
| Provision for loan losses | 75,000 | 135,000 | 135,000 | 135,000 |
| Pretax income | 525,000 | 1,152,000 | 1,338,000 | 1,341,000 |
| Income tax | 148,000 | 284,000 | 349,000 | 611,000 |
| Net income | 377,000 | 868,000 | 989,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,345,000 | 25,836,000 | 25,957,000 | 25,698,000 |
| Total capital | 27,587,000 | 28,138,000 | 28,218,000 | 27,806,000 |
| Risk-weighted assets | 178,945,000 | 183,810,000 | 180,449,000 | 184,107,000 |