Call reports 2004
ELKHART COMMUNITY BANK — 2004
What ELKHART COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 56,128,000 | 60,744,000 | 64,168,000 | 67,114,000 |
| Total loans | 52,629,000 | 55,483,000 | 59,129,000 | 63,987,000 |
| Allowance for loan losses | 583,000 | 583,000 | 624,000 | 712,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,583,000 | 48,463,000 | 53,480,000 | 56,244,000 |
| Interest-bearing deposits | 42,454,000 | 42,090,000 | 46,750,000 | 50,836,000 |
| Noninterest-bearing deposits | 5,129,000 | 6,373,000 | 6,730,000 | 5,408,000 |
| Equity capital | 7,075,000 | 7,241,000 | 7,414,000 | 7,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,694,000 | 2,647,000 | 3,720,000 |
| Interest expense | 210,000 | 434,000 | 689,000 | 1,016,000 |
| Net interest income | 612,000 | 1,260,000 | 1,958,000 | 2,704,000 |
| Noninterest income | 99,000 | 163,000 | 210,000 | 276,000 |
| Noninterest expense | 460,000 | 918,000 | 1,358,000 | 1,733,000 |
| Provision for loan losses | -33,000 | -33,000 | 8,000 | 96,000 |
| Pretax income | 284,000 | 538,000 | 802,000 | 1,151,000 |
| Income tax | 98,000 | 186,000 | 277,000 | 449,000 |
| Net income | 186,000 | 352,000 | 525,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,847,000 | 6,013,000 | 6,186,000 | 6,363,000 |
| Total capital | 6,430,000 | 6,596,000 | 6,810,000 | 7,075,000 |
| Risk-weighted assets | 51,946,000 | 55,185,000 | 58,763,000 | 63,139,000 |