Call reports 2020
EARLHAM SAVINGS BANK — 2020
What EARLHAM SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 319,995,000 | 338,572,000 | 338,949,000 | 346,084,000 |
| Total loans | 171,575,000 | 176,319,000 | 170,757,000 | 166,134,000 |
| Allowance for loan losses | 2,874,000 | 3,053,000 | 3,048,000 | 3,069,000 |
| Securities available for sale | 126,084,000 | 134,609,000 | 137,460,000 | 150,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,131,000 | 309,216,000 | 309,758,000 | 317,318,000 |
| Interest-bearing deposits | 224,126,000 | 231,079,000 | 229,824,000 | 237,186,000 |
| Noninterest-bearing deposits | 67,005,000 | 78,137,000 | 79,934,000 | 80,132,000 |
| Equity capital | 28,069,000 | 28,135,000 | 28,089,000 | 28,206,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,843,000 | 5,613,000 | 8,023,000 | 10,861,000 |
| Interest expense | 468,000 | 805,000 | 1,099,000 | 1,359,000 |
| Net interest income | 2,375,000 | 4,808,000 | 6,924,000 | 9,502,000 |
| Noninterest income | 316,000 | 590,000 | 1,056,000 | 1,310,000 |
| Noninterest expense | 2,332,000 | 4,530,000 | 6,852,000 | 9,164,000 |
| Provision for loan losses | 0 | 130,000 | 130,000 | 130,000 |
| Pretax income | 387,000 | 780,000 | 1,041,000 | 1,571,000 |
| Income tax | 92,000 | 172,000 | 229,000 | 364,000 |
| Net income | 295,000 | 608,000 | 812,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,729,000 | 27,042,000 | 27,246,000 | 27,640,000 |
| Total capital | 28,843,000 | 29,120,000 | 29,278,000 | 29,848,000 |
| Risk-weighted assets | 168,397,000 | 165,320,000 | 161,597,000 | 175,850,000 |