Call reports 2005
EASTMAN NATIONAL BANK OF NEWKIRK, THE — 2005
What EASTMAN NATIONAL BANK OF NEWKIRK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 69,557,000 | 71,385,000 | 79,359,000 | 89,773,000 |
| Total loans | 35,578,000 | 41,689,000 | 47,360,000 | 52,439,000 |
| Allowance for loan losses | 450,000 | 518,000 | 587,000 | 687,000 |
| Securities available for sale | 20,927,000 | 22,710,000 | 27,681,000 | 29,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,418,000 | 61,753,000 | 66,194,000 | 75,138,000 |
| Interest-bearing deposits | 49,065,000 | 49,534,000 | 54,608,000 | 62,490,000 |
| Noninterest-bearing deposits | 10,353,000 | 12,219,000 | 11,586,000 | 12,648,000 |
| Equity capital | 5,255,000 | 5,305,000 | 5,388,000 | 6,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 778,000 | 1,708,000 | 2,792,000 | 4,012,000 |
| Interest expense | 203,000 | 448,000 | 767,000 | 1,155,000 |
| Net interest income | 575,000 | 1,260,000 | 2,025,000 | 2,857,000 |
| Noninterest income | 81,000 | 178,000 | 283,000 | 407,000 |
| Noninterest expense | 619,000 | 1,266,000 | 1,949,000 | 2,713,000 |
| Provision for loan losses | 75,000 | 162,000 | 228,000 | 328,000 |
| Pretax income | -38,000 | 10,000 | 131,000 | 223,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | -38,000 | 10,000 | 131,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,235,000 | 5,284,000 | 5,404,000 | 6,986,000 |
| Total capital | 5,685,000 | 5,802,000 | 5,991,000 | 7,673,000 |
| Risk-weighted assets | 40,181,000 | 45,641,000 | 51,819,000 | 58,507,000 |