Call reports 2003
EASTMAN NATIONAL BANK OF NEWKIRK, THE — 2003
What EASTMAN NATIONAL BANK OF NEWKIRK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 51,041,000 | 48,586,000 | 48,844,000 | 48,328,000 |
| Total loans | 15,185,000 | 15,797,000 | 14,964,000 | 14,701,000 |
| Allowance for loan losses | 226,000 | 227,000 | 223,000 | 213,000 |
| Securities available for sale | 27,828,000 | 23,809,000 | 28,610,000 | 29,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,543,000 | 42,029,000 | 42,476,000 | 40,515,000 |
| Interest-bearing deposits | 37,648,000 | 35,303,000 | 34,603,000 | 32,421,000 |
| Noninterest-bearing deposits | 6,895,000 | 6,726,000 | 7,873,000 | 8,095,000 |
| Equity capital | 5,616,000 | 5,690,000 | 5,703,000 | 5,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,138,000 | 1,664,000 | 2,177,000 |
| Interest expense | 209,000 | 392,000 | 558,000 | 704,000 |
| Net interest income | 385,000 | 746,000 | 1,106,000 | 1,473,000 |
| Noninterest income | 61,000 | 123,000 | 181,000 | 245,000 |
| Noninterest expense | 237,000 | 474,000 | 713,000 | 982,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 395,000 | 574,000 | 736,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 146,000 |
| Net income | 173,000 | 323,000 | 466,000 | 590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,047,000 | 5,129,000 | 5,272,000 | 5,323,000 |
| Total capital | 5,273,000 | 5,356,000 | 5,495,000 | 5,536,000 |
| Risk-weighted assets | 21,822,000 | 20,946,000 | 20,370,000 | 20,998,000 |