Call reports 2004
BANK OF EASTON — 2004
What BANK OF EASTON 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 | 89,289,000 | 86,288,000 | 84,804,000 | 87,704,000 |
| Total loans | 48,899,000 | 51,803,000 | 49,270,000 | 48,081,000 |
| Allowance for loan losses | 262,000 | 265,000 | 265,000 | 265,000 |
| Securities available for sale | 29,344,000 | 24,837,000 | 24,463,000 | 25,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,743,000 | 70,836,000 | 70,069,000 | 72,432,000 |
| Interest-bearing deposits | 63,870,000 | 60,183,000 | 59,878,000 | 62,376,000 |
| Noninterest-bearing deposits | 9,873,000 | 10,653,000 | 10,191,000 | 10,056,000 |
| Equity capital | 7,429,000 | 7,210,000 | 7,627,000 | 7,698,000 |
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 | 944,000 | 1,898,000 | 2,811,000 | 3,732,000 |
| Interest expense | 326,000 | 630,000 | 937,000 | 1,264,000 |
| Net interest income | 618,000 | 1,268,000 | 1,874,000 | 2,468,000 |
| Noninterest income | 89,000 | 175,000 | 260,000 | 358,000 |
| Noninterest expense | 428,000 | 870,000 | 1,318,000 | 1,751,000 |
| Provision for loan losses | 2,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 277,000 | 568,000 | 811,000 | 1,070,000 |
| Income tax | 83,000 | 171,000 | 235,000 | 313,000 |
| Net income | 194,000 | 397,000 | 576,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,039,000 | 7,239,000 | 7,409,000 | 7,575,000 |
| Total capital | 7,318,000 | 7,521,000 | 7,691,000 | 7,857,000 |
| Risk-weighted assets | 44,891,000 | 44,253,000 | 42,722,000 | 43,251,000 |