Call reports 2009
ELKHART COMMUNITY BANK — 2009
What ELKHART COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 96,053,000 | 110,184,000 | 96,550,000 | 94,167,000 |
| Total loans | 84,790,000 | 80,713,000 | 77,470,000 | 71,483,000 |
| Allowance for loan losses | 2,121,000 | 3,005,000 | 2,748,000 | 2,364,000 |
| Securities available for sale | 350,000 | 245,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,100,000 | 100,889,000 | 88,868,000 | 86,860,000 |
| Interest-bearing deposits | 80,575,000 | 93,696,000 | 83,193,000 | 82,158,000 |
| Noninterest-bearing deposits | 5,525,000 | 7,193,000 | 5,675,000 | 4,702,000 |
| Equity capital | 8,070,000 | 7,420,000 | 6,198,000 | 5,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,116,000 | 2,263,000 | 3,358,000 | 4,349,000 |
| Interest expense | 628,000 | 1,189,000 | 1,646,000 | 2,033,000 |
| Net interest income | 488,000 | 1,074,000 | 1,712,000 | 2,316,000 |
| Noninterest income | 35,000 | 106,000 | 32,000 | -80,000 |
| Noninterest expense | 518,000 | 1,134,000 | 1,773,000 | 2,430,000 |
| Provision for loan losses | 690,000 | 1,690,000 | 2,861,000 | 3,548,000 |
| Pretax income | -685,000 | -1,644,000 | -2,890,000 | -3,742,000 |
| Income tax | -270,000 | -648,000 | 108,000 | -207,000 |
| Net income | -415,000 | -996,000 | -2,998,000 | -3,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,073,000 | 6,493,000 | 4,970,000 | 4,633,000 |
| Total capital | 8,064,000 | 7,468,000 | 5,894,000 | 5,486,000 |
| Risk-weighted assets | 78,173,000 | 75,971,000 | 72,130,000 | 66,738,000 |