Call reports 2015
EATON COMMUNITY BANK — 2015
What EATON COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 295,164,000 | 292,735,000 | 290,313,000 | 292,138,000 |
| Total loans | 155,710,000 | 152,707,000 | 152,855,000 | 160,593,000 |
| Allowance for loan losses | 2,085,000 | 2,006,000 | 1,975,000 | 1,996,000 |
| Securities available for sale | 104,875,000 | 95,642,000 | 96,146,000 | 97,172,000 |
| Securities held to maturity | 310,000 | 310,000 | 298,000 | 273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,013,000 | 232,696,000 | 229,736,000 | 231,681,000 |
| Interest-bearing deposits | 221,985,000 | 218,629,000 | 215,624,000 | 217,103,000 |
| Noninterest-bearing deposits | 13,028,000 | 14,067,000 | 14,112,000 | 14,578,000 |
| Equity capital | 49,852,000 | 49,626,000 | 50,246,000 | 50,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,540,000 | 5,047,000 | 7,487,000 | 9,973,000 |
| Interest expense | 374,000 | 745,000 | 1,120,000 | 1,492,000 |
| Net interest income | 2,166,000 | 4,302,000 | 6,367,000 | 8,481,000 |
| Noninterest income | 312,000 | 561,000 | 901,000 | 1,236,000 |
| Noninterest expense | 1,976,000 | 3,920,000 | 5,909,000 | 8,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 502,000 | 943,000 | 1,359,000 | 1,687,000 |
| Income tax | 140,000 | 261,000 | 369,000 | 354,000 |
| Net income | 362,000 | 682,000 | 990,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,295,000 | 49,615,000 | 49,922,000 | 50,266,000 |
| Total capital | 50,999,000 | 51,284,000 | 51,605,000 | 52,048,000 |
| Risk-weighted assets | 135,973,000 | 133,217,000 | 134,359,000 | 142,399,000 |