Call reports 2021
EARLHAM SAVINGS BANK — 2021
What EARLHAM SAVINGS BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 370,452,000 | 373,747,000 | 364,514,000 | 378,097,000 |
| Total loans | 172,463,000 | 172,745,000 | 162,082,000 | 164,059,000 |
| Allowance for loan losses | 3,061,000 | 3,103,000 | 3,144,000 | 3,195,000 |
| Securities available for sale | 125,673,000 | 113,315,000 | 119,396,000 | 124,018,000 |
| Securities held to maturity | 37,035,000 | 61,678,000 | 61,580,000 | 56,479,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,492,000 | 344,582,000 | 335,307,000 | 349,510,000 |
| Interest-bearing deposits | 246,307,000 | 250,903,000 | 244,318,000 | 253,115,000 |
| Noninterest-bearing deposits | 95,185,000 | 93,679,000 | 90,989,000 | 96,395,000 |
| Equity capital | 28,027,000 | 28,239,000 | 28,564,000 | 28,013,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 4,946,000 | 7,502,000 | 9,762,000 |
| Interest expense | 218,000 | 391,000 | 506,000 | 605,000 |
| Net interest income | 2,214,000 | 4,555,000 | 6,996,000 | 9,157,000 |
| Noninterest income | 314,000 | 652,000 | 1,009,000 | 1,441,000 |
| Noninterest expense | 2,258,000 | 4,473,000 | 6,684,000 | 9,004,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 285,000 | 752,000 | 1,341,000 | 1,609,000 |
| Income tax | 55,000 | 166,000 | 303,000 | 366,000 |
| Net income | 230,000 | 586,000 | 1,038,000 | 1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,863,000 | 28,219,000 | 28,670,000 | 28,473,000 |
| Total capital | 30,100,000 | 30,319,000 | 30,838,000 | 30,575,000 |
| Risk-weighted assets | 178,157,000 | 167,020,000 | 172,491,000 | 167,076,000 |