Call reports 2004
EASTMAN NATIONAL BANK OF NEWKIRK, THE — 2004
What EASTMAN NATIONAL BANK OF NEWKIRK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,202,000 | 46,329,000 | 54,069,000 | 64,886,000 |
| Total loans | 13,747,000 | 14,932,000 | 14,044,000 | 30,897,000 |
| Allowance for loan losses | 215,000 | 216,000 | 220,000 | 371,000 |
| Securities available for sale | 28,034,000 | 26,008,000 | 22,971,000 | 20,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,732,000 | 40,038,000 | 48,015,000 | 55,211,000 |
| Interest-bearing deposits | 35,034,000 | 33,980,000 | 41,074,000 | 45,401,000 |
| Noninterest-bearing deposits | 6,698,000 | 6,058,000 | 6,941,000 | 9,810,000 |
| Equity capital | 5,785,000 | 5,687,000 | 5,577,000 | 5,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 963,000 | 1,436,000 | 2,079,000 |
| Interest expense | 138,000 | 257,000 | 373,000 | 522,000 |
| Net interest income | 354,000 | 706,000 | 1,063,000 | 1,557,000 |
| Noninterest income | 67,000 | 139,000 | 204,000 | 265,000 |
| Noninterest expense | 260,000 | 508,000 | 816,000 | 1,488,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 161,000 | 337,000 | 451,000 | 184,000 |
| Income tax | 38,000 | 65,000 | 94,000 | -21,000 |
| Net income | 123,000 | 272,000 | 357,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,437,000 | 5,517,000 | 5,403,000 | 5,250,000 |
| Total capital | 5,652,000 | 5,733,000 | 5,623,000 | 5,621,000 |
| Risk-weighted assets | 20,224,000 | 19,985,000 | 21,555,000 | 36,226,000 |