Call reports 2025
EARLHAM SAVINGS BANK — 2025
What EARLHAM SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 372,773,000 | 373,935,000 | 370,124,000 | 377,778,000 |
| Total loans | 210,899,000 | 215,392,000 | 219,052,000 | 230,470,000 |
| Allowance for loan losses | 3,451,000 | 5,143,000 | 5,095,000 | 5,746,000 |
| Securities available for sale | 88,257,000 | 103,606,000 | 59,437,000 | 52,604,000 |
| Securities held to maturity | 20,293,000 | 16,250,000 | 16,205,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 338,564,000 | 337,557,000 | 333,229,000 | 341,439,000 |
| Interest-bearing deposits | 252,146,000 | 253,163,000 | 249,776,000 | 256,022,000 |
| Noninterest-bearing deposits | 86,418,000 | 84,394,000 | 83,454,000 | 85,417,000 |
| Equity capital | 32,819,000 | 34,658,000 | 35,493,000 | 35,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,511,000 | 9,224,000 | 14,063,000 | 18,814,000 |
| Interest expense | 1,423,000 | 2,906,000 | 4,418,000 | 5,877,000 |
| Net interest income | 3,088,000 | 6,318,000 | 9,645,000 | 12,937,000 |
| Noninterest income | 790,000 | 2,254,000 | 2,920,000 | 3,615,000 |
| Noninterest expense | 2,376,000 | 4,691,000 | 7,645,000 | 10,479,000 |
| Provision for loan losses | -82,000 | -82,000 | -154,000 | 857,000 |
| Pretax income | 1,499,000 | 3,877,000 | 4,907,000 | 4,578,000 |
| Income tax | 293,000 | 851,000 | 1,110,000 | 1,254,000 |
| Net income | 1,206,000 | 3,026,000 | 3,797,000 | 3,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,868,000 | 34,688,000 | 35,459,000 | 34,985,000 |
| Total capital | 35,429,000 | 37,283,000 | 38,124,000 | 37,704,000 |
| Risk-weighted assets | 203,509,000 | 204,568,000 | 210,273,000 | 213,980,000 |