Call reports 2006
EATON NATIONAL BANK AND TRUST COMPANY — 2006
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 172,848,000 | 167,640,000 | 171,148,000 | 173,929,000 |
| Total loans | 128,707,000 | 129,415,000 | 132,159,000 | 132,357,000 |
| Allowance for loan losses | 1,962,000 | 1,969,000 | 2,039,000 | 1,775,000 |
| Securities available for sale | 19,415,000 | 18,692,000 | 19,574,000 | 19,086,000 |
| Securities held to maturity | 4,118,000 | 4,416,000 | 4,348,000 | 4,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,350,000 | 150,263,000 | 152,842,000 | 155,697,000 |
| Interest-bearing deposits | 133,701,000 | 130,121,000 | 131,636,000 | 133,555,000 |
| Noninterest-bearing deposits | 21,649,000 | 20,142,000 | 21,206,000 | 22,142,000 |
| Equity capital | 15,768,000 | 15,723,000 | 15,966,000 | 15,897,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,523,000 | 8,460,000 | 11,419,000 |
| Interest expense | 902,000 | 1,851,000 | 2,938,000 | 4,082,000 |
| Net interest income | 1,799,000 | 3,672,000 | 5,522,000 | 7,337,000 |
| Noninterest income | 357,000 | 737,000 | 1,125,000 | 1,619,000 |
| Noninterest expense | 1,349,000 | 2,733,000 | 4,154,000 | 5,612,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 315,000 |
| Pretax income | 732,000 | 1,526,000 | 2,268,000 | 3,029,000 |
| Income tax | 215,000 | 455,000 | 675,000 | 983,000 |
| Net income | 517,000 | 1,071,000 | 1,593,000 | 2,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,042,000 | 16,147,000 | 16,144,000 | 16,071,000 |
| Total capital | 17,595,000 | 17,690,000 | 17,737,000 | 17,669,000 |
| Risk-weighted assets | 123,982,000 | 123,054,000 | 127,008,000 | 127,719,000 |