Call reports 2009
EATON NATIONAL BANK AND TRUST COMPANY — 2009
What EATON NATIONAL BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 190,986,000 | 189,317,000 | 190,179,000 | 182,069,000 |
| Total loans | 153,232,000 | 152,491,000 | 150,518,000 | 145,494,000 |
| Allowance for loan losses | 2,059,000 | 2,085,000 | 2,253,000 | 2,525,000 |
| Securities available for sale | 14,032,000 | 13,737,000 | 14,389,000 | 14,397,000 |
| Securities held to maturity | 3,076,000 | 4,196,000 | 4,194,000 | 4,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,694,000 | 170,636,000 | 171,068,000 | 163,569,000 |
| Interest-bearing deposits | 151,110,000 | 150,153,000 | 151,373,000 | 141,749,000 |
| Noninterest-bearing deposits | 21,584,000 | 20,483,000 | 19,695,000 | 21,820,000 |
| Equity capital | 16,258,000 | 16,147,000 | 16,584,000 | 16,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,538,000 | 5,184,000 | 7,802,000 | 10,371,000 |
| Interest expense | 945,000 | 1,837,000 | 2,672,000 | 3,412,000 |
| Net interest income | 1,593,000 | 3,347,000 | 5,130,000 | 6,959,000 |
| Noninterest income | 397,000 | 493,000 | 986,000 | 1,326,000 |
| Noninterest expense | 1,326,000 | 2,881,000 | 4,392,000 | 5,974,000 |
| Provision for loan losses | 705,000 | 855,000 | 1,108,000 | 1,421,000 |
| Pretax income | 37,000 | 182,000 | 694,000 | 1,082,000 |
| Income tax | 0 | 65,000 | 212,000 | 300,000 |
| Net income | 37,000 | 117,000 | 482,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,871,000 | 15,950,000 | 16,316,000 | 16,617,000 |
| Total capital | 17,700,000 | 17,785,000 | 18,119,000 | 18,373,000 |
| Risk-weighted assets | 146,077,000 | 146,763,000 | 144,113,000 | 139,647,000 |