Call reports 2022
EARLHAM SAVINGS BANK — 2022
What EARLHAM SAVINGS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 398,393,000 | 400,736,000 | 391,361,000 | 377,481,000 |
| Total loans | 162,113,000 | 166,281,000 | 171,123,000 | 179,419,000 |
| Allowance for loan losses | 3,261,000 | 3,305,000 | 3,344,000 | 3,426,000 |
| Securities available for sale | 145,283,000 | 132,099,000 | 122,990,000 | 96,465,000 |
| Securities held to maturity | 56,382,000 | 56,284,000 | 51,186,000 | 51,088,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,997,000 | 375,123,000 | 366,420,000 | 350,977,000 |
| Interest-bearing deposits | 268,059,000 | 269,437,000 | 255,370,000 | 249,142,000 |
| Noninterest-bearing deposits | 103,938,000 | 105,686,000 | 111,050,000 | 101,834,000 |
| Equity capital | 25,982,000 | 25,346,000 | 24,677,000 | 25,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,083,000 | 4,305,000 | 6,741,000 | 9,329,000 |
| Interest expense | 93,000 | 280,000 | 622,000 | 1,109,000 |
| Net interest income | 1,990,000 | 4,025,000 | 6,119,000 | 8,220,000 |
| Noninterest income | 348,000 | 725,000 | 1,134,000 | 1,572,000 |
| Noninterest expense | 2,265,000 | 4,662,000 | 6,940,000 | 8,921,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 58,000 | 284,000 | 849,000 |
| Income tax | 12,000 | 14,000 | 67,000 | 208,000 |
| Net income | 43,000 | 44,000 | 217,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,517,000 | 28,517,000 | 28,690,000 | 29,114,000 |
| Total capital | 30,569,000 | 30,648,000 | 30,897,000 | 31,405,000 |
| Risk-weighted assets | 163,004,000 | 169,386,000 | 175,486,000 | 182,170,000 |