Call reports 2023
EARLHAM SAVINGS BANK — 2023
What EARLHAM SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 365,686,000 | 365,424,000 | 352,610,000 | 360,337,000 |
| Total loans | 176,339,000 | 182,444,000 | 187,046,000 | 188,522,000 |
| Allowance for loan losses | 3,496,000 | 3,546,000 | 3,585,000 | 3,658,000 |
| Securities available for sale | 98,201,000 | 78,817,000 | 67,996,000 | 71,020,000 |
| Securities held to maturity | 50,991,000 | 50,893,000 | 45,795,000 | 40,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,074,000 | 336,468,000 | 323,174,000 | 330,341,000 |
| Interest-bearing deposits | 242,241,000 | 241,462,000 | 227,357,000 | 235,380,000 |
| Noninterest-bearing deposits | 94,833,000 | 95,006,000 | 95,817,000 | 94,961,000 |
| Equity capital | 27,929,000 | 28,286,000 | 28,780,000 | 29,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,953,000 | 6,144,000 | 9,549,000 | 13,177,000 |
| Interest expense | 817,000 | 1,860,000 | 3,008,000 | 4,335,000 |
| Net interest income | 2,136,000 | 4,284,000 | 6,541,000 | 8,842,000 |
| Noninterest income | 1,995,000 | 2,416,000 | 2,858,000 | 3,340,000 |
| Noninterest expense | 2,297,000 | 4,528,000 | 6,893,000 | 9,531,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,053,000 | 1,142,000 | 1,485,000 | 1,649,000 |
| Income tax | 259,000 | 275,000 | 359,000 | 403,000 |
| Net income | 794,000 | 867,000 | 1,126,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,908,000 | 29,980,000 | 30,239,000 | 30,188,000 |
| Total capital | 32,112,000 | 32,225,000 | 32,551,000 | 32,460,000 |
| Risk-weighted assets | 175,046,000 | 178,312,000 | 183,737,000 | 180,381,000 |
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