Call reports 2003
EATON NATIONAL BANK AND TRUST COMPANY — 2003
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 160,342,000 | 162,099,000 | 164,623,000 | 171,863,000 |
| Total loans | 128,187,000 | 131,718,000 | 130,851,000 | 129,573,000 |
| Allowance for loan losses | 1,862,000 | 1,906,000 | 1,952,000 | 2,240,000 |
| Securities available for sale | 7,309,000 | 7,896,000 | 7,803,000 | 16,509,000 |
| Securities held to maturity | 3,096,000 | 3,115,000 | 4,633,000 | 4,759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,835,000 | 143,556,000 | 146,564,000 | 153,909,000 |
| Interest-bearing deposits | 125,260,000 | 125,162,000 | 127,291,000 | 125,686,000 |
| Noninterest-bearing deposits | 17,575,000 | 18,394,000 | 19,273,000 | 28,223,000 |
| Equity capital | 15,638,000 | 15,942,000 | 16,140,000 | 15,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,534,000 | 5,116,000 | 7,734,000 | 10,181,000 |
| Interest expense | 754,000 | 1,518,000 | 2,233,000 | 2,936,000 |
| Net interest income | 1,780,000 | 3,598,000 | 5,501,000 | 7,245,000 |
| Noninterest income | 621,000 | 1,119,000 | 1,596,000 | 2,027,000 |
| Noninterest expense | 1,333,000 | 2,658,000 | 4,047,000 | 5,328,000 |
| Provision for loan losses | 50,000 | 110,000 | 180,000 | 180,000 |
| Pretax income | 1,018,000 | 1,949,000 | 2,895,000 | 3,800,000 |
| Income tax | 315,000 | 615,000 | 915,000 | 1,239,000 |
| Net income | 703,000 | 1,334,000 | 1,980,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,438,000 | 15,692,000 | 15,961,000 | 15,490,000 |
| Total capital | 16,964,000 | 17,272,000 | 17,560,000 | 17,085,000 |
| Risk-weighted assets | 119,400,000 | 121,718,000 | 123,457,000 | 122,758,000 |