Call reports 2004
EATON NATIONAL BANK AND TRUST COMPANY — 2004
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 168,525,000 | 163,273,000 | 168,199,000 | 169,004,000 |
| Total loans | 125,618,000 | 129,399,000 | 128,228,000 | 131,436,000 |
| Allowance for loan losses | 2,225,000 | 2,201,000 | 2,251,000 | 2,109,000 |
| Securities available for sale | 17,053,000 | 16,348,000 | 17,236,000 | 18,315,000 |
| Securities held to maturity | 4,750,000 | 4,716,000 | 3,563,000 | 3,624,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,279,000 | 145,031,000 | 149,249,000 | 150,077,000 |
| Interest-bearing deposits | 129,667,000 | 123,417,000 | 128,280,000 | 127,654,000 |
| Noninterest-bearing deposits | 20,612,000 | 21,614,000 | 20,969,000 | 22,423,000 |
| Equity capital | 15,901,000 | 15,732,000 | 16,334,000 | 16,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,330,000 | 4,662,000 | 7,133,000 | 9,591,000 |
| Interest expense | 672,000 | 1,297,000 | 1,923,000 | 2,590,000 |
| Net interest income | 1,658,000 | 3,365,000 | 5,210,000 | 7,001,000 |
| Noninterest income | 377,000 | 756,000 | 1,499,000 | 2,101,000 |
| Noninterest expense | 1,331,000 | 2,669,000 | 4,076,000 | 5,410,000 |
| Provision for loan losses | 0 | 0 | 65,000 | 225,000 |
| Pretax income | 747,000 | 1,488,000 | 2,604,000 | 3,511,000 |
| Income tax | 235,000 | 440,000 | 775,000 | 1,112,000 |
| Net income | 512,000 | 1,048,000 | 1,829,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,625,000 | 15,788,000 | 16,194,000 | 16,388,000 |
| Total capital | 17,212,000 | 17,348,000 | 17,824,000 | 17,971,000 |
| Risk-weighted assets | 121,909,000 | 121,390,000 | 125,482,000 | 126,119,000 |