Call reports 2002
ELKHART COMMUNITY BANK — 2002
What ELKHART COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 36,574,000 | 38,416,000 | 47,874,000 | 53,210,000 |
| Total loans | 33,543,000 | 36,739,000 | 40,670,000 | 43,277,000 |
| Allowance for loan losses | 504,000 | 552,000 | 611,000 | 658,000 |
| Securities available for sale | 0 | 0 | 4,000,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,773,000 | 33,322,000 | 42,832,000 | 48,149,000 |
| Interest-bearing deposits | 27,111,000 | 29,046,000 | 38,460,000 | 39,659,000 |
| Noninterest-bearing deposits | 4,662,000 | 4,276,000 | 4,372,000 | 8,490,000 |
| Equity capital | 4,591,000 | 4,655,000 | 4,724,000 | 4,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,221,000 | 1,927,000 | 2,705,000 |
| Interest expense | 218,000 | 428,000 | 683,000 | 950,000 |
| Net interest income | 375,000 | 793,000 | 1,244,000 | 1,755,000 |
| Noninterest income | 33,000 | 84,000 | 165,000 | 225,000 |
| Noninterest expense | 285,000 | 608,000 | 966,000 | 1,326,000 |
| Provision for loan losses | 78,000 | 126,000 | 192,000 | 264,000 |
| Pretax income | 45,000 | 143,000 | 251,000 | 394,000 |
| Income tax | 16,000 | 50,000 | 88,000 | 137,000 |
| Net income | 29,000 | 93,000 | 163,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,392,000 | 4,490,000 | 4,724,000 | 4,819,000 |
| Total capital | 4,813,000 | 4,933,000 | 5,224,000 | 5,368,000 |
| Risk-weighted assets | 33,631,000 | 35,348,000 | 39,851,000 | 43,800,000 |