Call reports 2019
EARLHAM SAVINGS BANK — 2019
What EARLHAM SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 311,139,000 | 309,713,000 | 300,880,000 | 309,035,000 |
| Total loans | 177,848,000 | 176,632,000 | 173,707,000 | 169,586,000 |
| Allowance for loan losses | 3,248,000 | 2,807,000 | 2,592,000 | 2,855,000 |
| Securities available for sale | 104,474,000 | 109,167,000 | 89,575,000 | 117,418,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,280,000 | 282,779,000 | 273,739,000 | 281,482,000 |
| Interest-bearing deposits | 222,764,000 | 221,855,000 | 213,795,000 | 222,380,000 |
| Noninterest-bearing deposits | 62,516,000 | 60,924,000 | 59,944,000 | 59,102,000 |
| Equity capital | 25,575,000 | 26,424,000 | 26,500,000 | 26,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,915,000 | 5,901,000 | 8,933,000 | 11,847,000 |
| Interest expense | 715,000 | 1,425,000 | 2,058,000 | 2,576,000 |
| Net interest income | 2,200,000 | 4,476,000 | 6,875,000 | 9,271,000 |
| Noninterest income | 313,000 | 650,000 | 1,002,000 | 1,394,000 |
| Noninterest expense | 2,203,000 | 4,377,000 | 6,521,000 | 8,522,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 62,000 | 501,000 | 1,108,000 | 1,910,000 |
| Income tax | 0 | 31,000 | 172,000 | 361,000 |
| Net income | 62,000 | 470,000 | 936,000 | 1,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,636,000 | 26,044,000 | 26,154,000 | 26,433,000 |
| Total capital | 27,909,000 | 28,179,000 | 28,300,000 | 28,506,000 |
| Risk-weighted assets | 180,893,000 | 170,156,000 | 171,300,000 | 165,123,000 |