Call reports 2004
EASTERN INTERNATIONAL BANK — 2004
What EASTERN INTERNATIONAL BANK 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 | 87,195,000 | 86,776,000 | 85,679,000 | 83,424,000 |
| Total loans | 58,539,000 | 59,954,000 | 54,080,000 | 54,626,000 |
| Allowance for loan losses | 1,071,000 | 1,084,000 | 1,067,000 | 1,069,000 |
| Securities available for sale | 10,202,000 | 8,094,000 | 8,142,000 | 11,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,071,000 | 75,897,000 | 74,734,000 | 72,437,000 |
| Interest-bearing deposits | 69,958,000 | 69,648,000 | 67,540,000 | 66,118,000 |
| Noninterest-bearing deposits | 6,113,000 | 6,249,000 | 7,194,000 | 6,319,000 |
| Equity capital | 10,682,000 | 10,626,000 | 10,745,000 | 10,833,000 |
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 | 937,000 | 1,854,000 | 2,800,000 | 3,800,000 |
| Interest expense | 187,000 | 363,000 | 543,000 | 739,000 |
| Net interest income | 750,000 | 1,491,000 | 2,257,000 | 3,061,000 |
| Noninterest income | 71,000 | 139,000 | 262,000 | 332,000 |
| Noninterest expense | 755,000 | 1,557,000 | 2,284,000 | 2,933,000 |
| Provision for loan losses | -150,000 | -150,000 | -150,000 | -150,000 |
| Pretax income | 216,000 | 223,000 | 385,000 | 610,000 |
| Income tax | 87,000 | 89,000 | 159,000 | 264,000 |
| Net income | 129,000 | 134,000 | 226,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,674,000 | 10,678,000 | 10,770,000 | 10,890,000 |
| Total capital | 11,499,000 | 11,504,000 | 11,555,000 | 11,674,000 |
| Risk-weighted assets | 65,709,000 | 65,808,000 | 62,498,000 | 62,335,000 |