Call reports 2005
BANK OF EASTON — 2005
What BANK OF EASTON 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 | 85,946,000 | 91,859,000 | 91,395,000 | 88,306,000 |
| Total loans | 47,159,000 | 51,112,000 | 53,043,000 | 54,518,000 |
| Allowance for loan losses | 267,000 | 275,000 | 275,000 | 281,000 |
| Securities available for sale | 24,558,000 | 24,406,000 | 24,314,000 | 23,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,928,000 | 76,630,000 | 76,468,000 | 73,437,000 |
| Interest-bearing deposits | 60,943,000 | 65,598,000 | 64,652,000 | 61,225,000 |
| Noninterest-bearing deposits | 9,985,000 | 11,032,000 | 11,816,000 | 12,212,000 |
| Equity capital | 7,726,000 | 7,966,000 | 8,116,000 | 8,155,000 |
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 | 913,000 | 1,863,000 | 2,859,000 | 3,883,000 |
| Interest expense | 328,000 | 674,000 | 1,049,000 | 1,463,000 |
| Net interest income | 585,000 | 1,189,000 | 1,810,000 | 2,420,000 |
| Noninterest income | 79,000 | 159,000 | 241,000 | 320,000 |
| Noninterest expense | 449,000 | 885,000 | 1,337,000 | 1,767,000 |
| Provision for loan losses | 2,000 | 10,000 | 13,000 | 19,000 |
| Pretax income | 213,000 | 448,000 | 694,000 | 947,000 |
| Income tax | 55,000 | 120,000 | 189,000 | 254,000 |
| Net income | 158,000 | 328,000 | 505,000 | 693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,773,000 | 7,927,000 | 8,100,000 | 8,287,000 |
| Total capital | 8,057,000 | 8,220,000 | 8,394,000 | 8,587,000 |
| Risk-weighted assets | 41,478,000 | 44,349,000 | 45,131,000 | 45,855,000 |