Call reports 2008
EATON NATIONAL BANK AND TRUST COMPANY — 2008
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,744,000 | 181,981,000 | 184,031,000 | 187,055,000 |
| Total loans | 144,331,000 | 146,356,000 | 153,376,000 | 152,546,000 |
| Allowance for loan losses | 1,600,000 | 1,628,000 | 1,785,000 | 1,426,000 |
| Securities available for sale | 14,874,000 | 14,570,000 | 14,709,000 | 13,795,000 |
| Securities held to maturity | 3,533,000 | 3,612,000 | 3,594,000 | 3,126,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,585,000 | 162,905,000 | 164,659,000 | 167,840,000 |
| Interest-bearing deposits | 143,053,000 | 139,631,000 | 141,872,000 | 146,751,000 |
| Noninterest-bearing deposits | 22,532,000 | 23,274,000 | 22,787,000 | 21,089,000 |
| Equity capital | 16,334,000 | 16,072,000 | 16,342,000 | 16,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,606,000 | 8,414,000 | 11,122,000 |
| Interest expense | 1,191,000 | 2,251,000 | 3,259,000 | 4,259,000 |
| Net interest income | 1,720,000 | 3,355,000 | 5,155,000 | 6,863,000 |
| Noninterest income | 531,000 | 1,101,000 | 1,587,000 | 2,020,000 |
| Noninterest expense | 1,556,000 | 3,007,000 | 4,461,000 | 5,933,000 |
| Provision for loan losses | 21,000 | 66,000 | 249,000 | 1,417,000 |
| Pretax income | 674,000 | 1,383,000 | 2,032,000 | 1,533,000 |
| Income tax | 200,000 | 448,000 | 669,000 | 480,000 |
| Net income | 474,000 | 935,000 | 1,363,000 | 1,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,002,000 | 15,939,000 | 16,142,000 | 15,832,000 |
| Total capital | 17,602,000 | 17,567,000 | 17,862,000 | 17,258,000 |
| Risk-weighted assets | 134,606,000 | 134,621,000 | 137,596,000 | 146,299,000 |