Call reports 2013
EATON COMMUNITY BANK — 2013
What EATON COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 311,998,000 | 313,492,000 | 310,458,000 | 310,144,000 |
| Total loans | 163,530,000 | 161,077,000 | 159,696,000 | 156,958,000 |
| Allowance for loan losses | 2,866,000 | 2,880,000 | 2,898,000 | 2,792,000 |
| Securities available for sale | 104,361,000 | 115,317,000 | 109,610,000 | 105,030,000 |
| Securities held to maturity | 374,000 | 373,000 | 362,000 | 342,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,294,000 | 247,187,000 | 243,756,000 | 243,495,000 |
| Interest-bearing deposits | 235,271,000 | 234,379,000 | 231,245,000 | 230,926,000 |
| Noninterest-bearing deposits | 12,023,000 | 12,808,000 | 12,511,000 | 12,569,000 |
| Equity capital | 46,742,000 | 45,699,000 | 46,269,000 | 46,212,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,695,000 | 5,403,000 | 8,089,000 | 10,806,000 |
| Interest expense | 562,000 | 1,134,000 | 1,698,000 | 2,241,000 |
| Net interest income | 2,133,000 | 4,269,000 | 6,391,000 | 8,565,000 |
| Noninterest income | 556,000 | 940,000 | 1,333,000 | 1,711,000 |
| Noninterest expense | 1,745,000 | 3,551,000 | 5,301,000 | 7,339,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 750,000 |
| Pretax income | 644,000 | 1,058,000 | 1,673,000 | 2,187,000 |
| Income tax | 175,000 | 291,000 | 463,000 | 580,000 |
| Net income | 469,000 | 767,000 | 1,210,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,022,000 | 46,322,000 | 46,767,000 | 47,166,000 |
| Total capital | 47,725,000 | 48,041,000 | 48,462,000 | 48,847,000 |
| Risk-weighted assets | 135,103,000 | 136,336,000 | 134,368,000 | 133,330,000 |