Call reports 2003
BANK OF EASTON — 2003
What BANK OF EASTON 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 | 87,432,000 | 88,742,000 | 86,423,000 | 85,518,000 |
| Total loans | 49,832,000 | 49,537,000 | 46,506,000 | 48,084,000 |
| Allowance for loan losses | 231,000 | 231,000 | 244,000 | 260,000 |
| Securities available for sale | 24,474,000 | 25,962,000 | 27,095,000 | 28,607,000 |
| Securities held to maturity | 9,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,811,000 | 73,875,000 | 71,824,000 | 70,414,000 |
| Interest-bearing deposits | 63,326,000 | 64,095,000 | 61,338,000 | 60,025,000 |
| Noninterest-bearing deposits | 9,485,000 | 9,780,000 | 10,486,000 | 10,389,000 |
| Equity capital | 6,615,000 | 6,982,000 | 6,965,000 | 7,149,000 |
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 | 1,006,000 | 2,010,000 | 2,965,000 | 3,897,000 |
| Interest expense | 383,000 | 767,000 | 1,121,000 | 1,463,000 |
| Net interest income | 623,000 | 1,243,000 | 1,844,000 | 2,434,000 |
| Noninterest income | 95,000 | 203,000 | 319,000 | 419,000 |
| Noninterest expense | 406,000 | 829,000 | 1,282,000 | 1,710,000 |
| Provision for loan losses | -14,000 | -14,000 | -1,000 | 17,000 |
| Pretax income | 347,000 | 652,000 | 903,000 | 1,202,000 |
| Income tax | 116,000 | 202,000 | 267,000 | 357,000 |
| Net income | 231,000 | 450,000 | 636,000 | 845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,248,000 | 6,430,000 | 6,634,000 | 6,838,000 |
| Total capital | 6,479,000 | 6,661,000 | 6,905,000 | 7,115,000 |
| Risk-weighted assets | 43,243,000 | 44,929,000 | 43,480,000 | 44,231,000 |