Call reports 2007
EATON NATIONAL BANK AND TRUST COMPANY — 2007
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 172,391,000 | 173,646,000 | 180,911,000 | 177,881,000 |
| Total loans | 127,568,000 | 131,079,000 | 136,692,000 | 143,497,000 |
| Allowance for loan losses | 1,856,000 | 1,882,000 | 1,952,000 | 1,979,000 |
| Securities available for sale | 19,162,000 | 19,029,000 | 17,848,000 | 17,048,000 |
| Securities held to maturity | 4,179,000 | 3,879,000 | 3,748,000 | 3,537,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,147,000 | 155,190,000 | 161,428,000 | 158,851,000 |
| Interest-bearing deposits | 132,981,000 | 133,734,000 | 140,209,000 | 138,621,000 |
| Noninterest-bearing deposits | 21,166,000 | 21,456,000 | 21,219,000 | 20,230,000 |
| Equity capital | 15,942,000 | 15,887,000 | 16,131,000 | 16,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,886,000 | 5,920,000 | 8,933,000 | 12,076,000 |
| Interest expense | 1,123,000 | 2,320,000 | 3,561,000 | 4,837,000 |
| Net interest income | 1,763,000 | 3,600,000 | 5,372,000 | 7,239,000 |
| Noninterest income | 466,000 | 953,000 | 1,445,000 | 1,940,000 |
| Noninterest expense | 1,400,000 | 2,831,000 | 4,272,000 | 5,809,000 |
| Provision for loan losses | 77,000 | 158,000 | 204,000 | 286,000 |
| Pretax income | 752,000 | 1,564,000 | 2,341,000 | 3,084,000 |
| Income tax | 235,000 | 485,000 | 705,000 | 1,004,000 |
| Net income | 517,000 | 1,079,000 | 1,636,000 | 2,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,064,000 | 16,102,000 | 16,134,000 | 16,054,000 |
| Total capital | 17,609,000 | 17,600,000 | 17,704,000 | 17,709,000 |
| Risk-weighted assets | 123,301,000 | 119,482,000 | 124,981,000 | 132,095,000 |