Call reports 2005
EATON NATIONAL BANK AND TRUST COMPANY — 2005
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 172,416,000 | 174,459,000 | 172,825,000 | 171,348,000 |
| Total loans | 135,339,000 | 130,816,000 | 127,567,000 | 130,681,000 |
| Allowance for loan losses | 2,175,000 | 2,201,000 | 2,156,000 | 1,786,000 |
| Securities available for sale | 17,586,000 | 17,340,000 | 18,660,000 | 18,525,000 |
| Securities held to maturity | 3,982,000 | 4,491,000 | 4,748,000 | 4,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,265,000 | 156,017,000 | 154,663,000 | 153,834,000 |
| Interest-bearing deposits | 132,168,000 | 134,672,000 | 133,633,000 | 132,556,000 |
| Noninterest-bearing deposits | 21,097,000 | 21,345,000 | 21,030,000 | 21,278,000 |
| Equity capital | 16,394,000 | 16,157,000 | 16,026,000 | 15,835,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 5,111,000 | 7,717,000 | 10,344,000 |
| Interest expense | 672,000 | 1,442,000 | 2,247,000 | 3,123,000 |
| Net interest income | 1,820,000 | 3,669,000 | 5,470,000 | 7,221,000 |
| Noninterest income | 359,000 | 744,000 | 1,143,000 | 1,516,000 |
| Noninterest expense | 1,326,000 | 2,703,000 | 4,080,000 | 5,380,000 |
| Provision for loan losses | 45,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 808,000 | 1,620,000 | 2,443,000 | 3,267,000 |
| Income tax | 245,000 | 490,000 | 730,000 | 1,055,000 |
| Net income | 563,000 | 1,130,000 | 1,713,000 | 2,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,576,000 | 16,167,000 | 16,152,000 | 16,051,000 |
| Total capital | 18,202,000 | 17,760,000 | 17,717,000 | 17,635,000 |
| Risk-weighted assets | 129,539,000 | 126,861,000 | 124,578,000 | 126,544,000 |