Call reports 2024
EARLHAM SAVINGS BANK — 2024
What EARLHAM SAVINGS BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 364,518,000 | 360,878,000 | 361,019,000 | 362,313,000 |
| Total loans | 200,622,000 | 203,067,000 | 205,185,000 | 206,218,000 |
| Allowance for loan losses | 3,706,000 | 3,338,000 | 3,408,000 | 3,474,000 |
| Securities available for sale | 75,577,000 | 56,523,000 | 67,002,000 | 73,016,000 |
| Securities held to maturity | 40,600,000 | 40,504,000 | 35,408,000 | 20,336,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,059,000 | 329,099,000 | 328,214,000 | 329,231,000 |
| Interest-bearing deposits | 241,794,000 | 241,272,000 | 236,469,000 | 244,519,000 |
| Noninterest-bearing deposits | 92,265,000 | 87,828,000 | 91,744,000 | 84,712,000 |
| Equity capital | 29,705,000 | 30,366,000 | 31,683,000 | 31,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,798,000 | 7,878,000 | 12,223,000 | 16,738,000 |
| Interest expense | 1,367,000 | 2,785,000 | 4,226,000 | 5,654,000 |
| Net interest income | 2,431,000 | 5,093,000 | 7,997,000 | 11,084,000 |
| Noninterest income | 436,000 | 865,000 | 1,317,000 | 1,793,000 |
| Noninterest expense | 2,421,000 | 4,753,000 | 7,084,000 | 9,614,000 |
| Provision for loan losses | 0 | -422,000 | -422,000 | -421,000 |
| Pretax income | 445,000 | 1,195,000 | 1,734,000 | 2,778,000 |
| Income tax | 107,000 | 304,000 | 416,000 | 757,000 |
| Net income | 338,000 | 891,000 | 1,318,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,526,000 | 31,079,000 | 31,506,000 | 31,847,000 |
| Total capital | 32,925,000 | 33,466,000 | 33,951,000 | 34,309,000 |
| Risk-weighted assets | 190,665,000 | 189,596,000 | 194,264,000 | 195,559,000 |