Call reports 2003
ELKHART COMMUNITY BANK — 2003
What ELKHART COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 48,297,000 | 48,978,000 | 48,376,000 | 53,586,000 |
| Total loans | 44,279,000 | 43,039,000 | 44,197,000 | 48,388,000 |
| Allowance for loan losses | 664,000 | 664,000 | 611,000 | 616,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,039,000 | 43,493,000 | 41,194,000 | 43,565,000 |
| Interest-bearing deposits | 37,375,000 | 38,637,000 | 36,658,000 | 38,728,000 |
| Noninterest-bearing deposits | 5,664,000 | 4,856,000 | 4,536,000 | 4,837,000 |
| Equity capital | 4,937,000 | 5,053,000 | 6,780,000 | 6,889,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 735,000 | 1,458,000 | 2,164,000 | 2,902,000 |
| Interest expense | 246,000 | 479,000 | 699,000 | 910,000 |
| Net interest income | 489,000 | 979,000 | 1,465,000 | 1,992,000 |
| Noninterest income | 75,000 | 160,000 | 214,000 | 266,000 |
| Noninterest expense | 378,000 | 775,000 | 1,160,000 | 1,605,000 |
| Provision for loan losses | 6,000 | 6,000 | 7,000 | 8,000 |
| Pretax income | 180,000 | 358,000 | 512,000 | 645,000 |
| Income tax | 62,000 | 124,000 | 177,000 | 223,000 |
| Net income | 118,000 | 234,000 | 335,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,937,000 | 5,053,000 | 5,574,000 | 5,661,000 |
| Total capital | 5,492,000 | 5,604,000 | 6,133,000 | 6,269,000 |
| Risk-weighted assets | 44,292,000 | 43,966,000 | 44,685,000 | 48,628,000 |