Call reports 2005
ELKHART COMMUNITY BANK — 2005
What ELKHART COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,260,000 | 73,378,000 | 78,947,000 | 75,649,000 |
| Total loans | 66,286,000 | 68,762,000 | 72,868,000 | 70,671,000 |
| Allowance for loan losses | 777,000 | 705,000 | 838,000 | 919,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,881,000 | 59,259,000 | 68,763,000 | 57,350,000 |
| Interest-bearing deposits | 52,127,000 | 51,734,000 | 61,171,000 | 49,916,000 |
| Noninterest-bearing deposits | 5,754,000 | 7,525,000 | 7,592,000 | 7,434,000 |
| Equity capital | 7,712,000 | 7,801,000 | 7,947,000 | 8,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,107,000 | 2,298,000 | 3,625,000 | 5,031,000 |
| Interest expense | 370,000 | 786,000 | 1,280,000 | 1,827,000 |
| Net interest income | 737,000 | 1,512,000 | 2,345,000 | 3,204,000 |
| Noninterest income | 56,000 | 145,000 | 232,000 | 298,000 |
| Noninterest expense | 439,000 | 905,000 | 1,385,000 | 1,869,000 |
| Provision for loan losses | 65,000 | 235,000 | 335,000 | 417,000 |
| Pretax income | 289,000 | 517,000 | 857,000 | 1,216,000 |
| Income tax | 118,000 | 207,000 | 351,000 | 490,000 |
| Net income | 171,000 | 310,000 | 506,000 | 726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,484,000 | 6,573,000 | 6,719,000 | 6,889,000 |
| Total capital | 7,261,000 | 7,278,000 | 7,557,000 | 7,761,000 |
| Risk-weighted assets | 65,480,000 | 68,551,000 | 72,255,000 | 69,753,000 |