Call reports 2006
ELKHART COMMUNITY BANK — 2006
What ELKHART COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 78,956,000 | 81,941,000 | 83,460,000 | 86,884,000 |
| Total loans | 73,863,000 | 77,141,000 | 78,196,000 | 77,515,000 |
| Allowance for loan losses | 919,000 | 924,000 | 942,000 | 1,010,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,531,000 | 67,687,000 | 72,418,000 | 76,520,000 |
| Interest-bearing deposits | 52,068,000 | 59,169,000 | 65,027,000 | 67,923,000 |
| Noninterest-bearing deposits | 8,463,000 | 8,518,000 | 7,391,000 | 8,597,000 |
| Equity capital | 8,281,000 | 8,433,000 | 8,591,000 | 8,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,411,000 | 2,916,000 | 4,525,000 | 6,172,000 |
| Interest expense | 570,000 | 1,186,000 | 1,908,000 | 2,674,000 |
| Net interest income | 841,000 | 1,730,000 | 2,617,000 | 3,498,000 |
| Noninterest income | 61,000 | 131,000 | 221,000 | 304,000 |
| Noninterest expense | 465,000 | 957,000 | 1,480,000 | 2,035,000 |
| Provision for loan losses | 0 | 45,000 | 66,000 | 257,000 |
| Pretax income | 437,000 | 859,000 | 1,292,000 | 1,510,000 |
| Income tax | 173,000 | 343,000 | 518,000 | 562,000 |
| Net income | 264,000 | 516,000 | 774,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,053,000 | 7,205,000 | 7,363,000 | 7,438,000 |
| Total capital | 7,960,000 | 8,129,000 | 8,305,000 | 8,420,000 |
| Risk-weighted assets | 72,561,000 | 75,902,000 | 76,547,000 | 78,520,000 |