Call reports 2018
EARLHAM SAVINGS BANK — 2018
What EARLHAM SAVINGS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 301,748,000 | 291,550,000 | 288,504,000 | 296,678,000 |
| Total loans | 170,355,000 | 172,467,000 | 177,134,000 | 181,340,000 |
| Allowance for loan losses | 2,312,000 | 2,599,000 | 2,750,000 | 2,958,000 |
| Securities available for sale | 107,503,000 | 96,982,000 | 92,249,000 | 92,267,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,375,000 | 265,811,000 | 262,103,000 | 271,126,000 |
| Interest-bearing deposits | 212,407,000 | 204,017,000 | 200,476,000 | 212,107,000 |
| Noninterest-bearing deposits | 63,968,000 | 61,794,000 | 61,627,000 | 59,019,000 |
| Equity capital | 24,871,000 | 25,246,000 | 25,256,000 | 25,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,541,000 | 5,115,000 | 7,810,000 | 10,622,000 |
| Interest expense | 313,000 | 670,000 | 1,150,000 | 1,804,000 |
| Net interest income | 2,228,000 | 4,445,000 | 6,660,000 | 8,818,000 |
| Noninterest income | 321,000 | 662,000 | 1,011,000 | 1,402,000 |
| Noninterest expense | 2,044,000 | 4,024,000 | 6,273,000 | 9,205,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 349,000 | 759,000 | 924,000 | 391,000 |
| Income tax | 54,000 | 58,000 | 96,000 | -107,000 |
| Net income | 295,000 | 701,000 | 828,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,372,000 | 25,776,000 | 25,904,000 | 25,574,000 |
| Total capital | 27,616,000 | 27,997,000 | 28,135,000 | 27,850,000 |
| Risk-weighted assets | 179,529,000 | 177,317,000 | 177,994,000 | 181,412,000 |