Call reports 2007
ELKHART COMMUNITY BANK — 2007
What ELKHART COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 87,201,000 | 82,252,000 | 84,693,000 | 89,535,000 |
| Total loans | 77,149,000 | 78,260,000 | 80,259,000 | 83,754,000 |
| Allowance for loan losses | 1,058,000 | 1,107,000 | 1,112,000 | 1,282,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,690,000 | 70,995,000 | 71,095,000 | 78,587,000 |
| Interest-bearing deposits | 64,494,000 | 63,566,000 | 64,087,000 | 69,455,000 |
| Noninterest-bearing deposits | 12,196,000 | 7,429,000 | 7,008,000 | 9,132,000 |
| Equity capital | 8,661,000 | 8,741,000 | 8,866,000 | 8,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,200,000 | 4,821,000 | 6,488,000 |
| Interest expense | 762,000 | 1,509,000 | 2,299,000 | 3,119,000 |
| Net interest income | 847,000 | 1,691,000 | 2,522,000 | 3,369,000 |
| Noninterest income | 88,000 | 178,000 | 327,000 | 387,000 |
| Noninterest expense | 532,000 | 1,042,000 | 1,559,000 | 2,087,000 |
| Provision for loan losses | 161,000 | 202,000 | 207,000 | 392,000 |
| Pretax income | 242,000 | 625,000 | 1,083,000 | 1,277,000 |
| Income tax | 97,000 | 250,000 | 433,000 | 512,000 |
| Net income | 145,000 | 375,000 | 650,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,433,000 | 7,513,000 | 7,638,000 | 7,603,000 |
| Total capital | 8,416,000 | 8,470,000 | 8,584,000 | 8,623,000 |
| Risk-weighted assets | 78,528,000 | 76,389,000 | 75,551,000 | 81,349,000 |