Call reports 2007
EASTMAN NATIONAL BANK OF NEWKIRK, THE — 2007
What EASTMAN NATIONAL BANK OF NEWKIRK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,008,000 | 122,405,000 | 123,513,000 | 136,178,000 |
| Total loans | 78,044,000 | 83,738,000 | 87,569,000 | 100,762,000 |
| Allowance for loan losses | 980,000 | 1,091,000 | 1,114,000 | 1,259,000 |
| Securities available for sale | 29,799,000 | 25,634,000 | 22,245,000 | 19,369,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,228,000 | 90,508,000 | 89,830,000 | 101,881,000 |
| Interest-bearing deposits | 75,742,000 | 70,920,000 | 68,828,000 | 77,650,000 |
| Noninterest-bearing deposits | 17,486,000 | 19,587,000 | 21,002,000 | 24,231,000 |
| Equity capital | 8,246,000 | 8,582,000 | 9,117,000 | 9,699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,175,000 | 6,438,000 | 8,833,000 |
| Interest expense | 763,000 | 1,568,000 | 2,412,000 | 3,215,000 |
| Net interest income | 1,258,000 | 2,607,000 | 4,026,000 | 5,618,000 |
| Noninterest income | 231,000 | 486,000 | 797,000 | 1,129,000 |
| Noninterest expense | 870,000 | 1,820,000 | 2,797,000 | 3,895,000 |
| Provision for loan losses | 20,000 | 121,000 | 230,000 | 382,000 |
| Pretax income | 599,000 | 1,152,000 | 1,796,000 | 2,470,000 |
| Income tax | 193,000 | 347,000 | 566,000 | 802,000 |
| Net income | 406,000 | 805,000 | 1,230,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,250,000 | 8,650,000 | 9,074,000 | 9,607,000 |
| Total capital | 9,230,000 | 9,741,000 | 10,188,000 | 10,866,000 |
| Risk-weighted assets | 84,934,000 | 88,881,000 | 94,461,000 | 105,975,000 |