Call reports 2001
ELKHART COMMUNITY BANK — 2001
What ELKHART COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 27,898,000 | 30,718,000 | 33,797,000 | 35,939,000 |
| Total loans | 22,356,000 | 26,380,000 | 28,846,000 | 31,492,000 |
| Allowance for loan losses | 336,000 | 396,000 | 433,000 | 473,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,278,000 | 25,897,000 | 28,970,000 | 31,176,000 |
| Interest-bearing deposits | 21,338,000 | 23,272,000 | 26,233,000 | 27,544,000 |
| Noninterest-bearing deposits | 1,940,000 | 2,625,000 | 2,737,000 | 3,632,000 |
| Equity capital | 4,268,000 | 4,484,000 | 4,519,000 | 4,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,142,000 | 1,762,000 | 2,357,000 |
| Interest expense | 306,000 | 634,000 | 917,000 | 1,165,000 |
| Net interest income | 239,000 | 508,000 | 845,000 | 1,192,000 |
| Noninterest income | 20,000 | 42,000 | 71,000 | 123,000 |
| Noninterest expense | 247,000 | 518,000 | 793,000 | 1,065,000 |
| Provision for loan losses | 66,000 | 127,000 | 164,000 | 225,000 |
| Pretax income | -54,000 | -95,000 | -41,000 | 25,000 |
| Income tax | 0 | -257,000 | -238,000 | 11,000 |
| Net income | -54,000 | 162,000 | 197,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,268,000 | 4,484,000 | 4,519,000 | 4,336,000 |
| Total capital | 4,541,000 | 4,805,000 | 4,867,000 | 4,714,000 |
| Risk-weighted assets | 21,817,000 | 25,644,000 | 27,785,000 | 30,114,000 |