Call reports 2025
EATON COMMUNITY BANK — 2025
What EATON COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 503,684,000 | 496,286,000 | 502,641,000 | 523,765,000 |
| Total loans | 289,260,000 | 305,394,000 | 315,015,000 | 324,270,000 |
| Allowance for loan losses | 2,831,000 | 2,905,000 | 2,987,000 | 4,711,000 |
| Securities available for sale | 134,297,000 | 132,068,000 | 127,678,000 | 140,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,624,000 | 431,536,000 | 420,325,000 | 442,021,000 |
| Interest-bearing deposits | 375,206,000 | 369,259,000 | 361,345,000 | 378,929,000 |
| Noninterest-bearing deposits | 64,418,000 | 62,277,000 | 58,980,000 | 63,092,000 |
| Equity capital | 61,541,000 | 61,894,000 | 64,347,000 | 64,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,022,000 | 12,103,000 | 18,318,000 | 24,662,000 |
| Interest expense | 2,265,000 | 4,647,000 | 7,073,000 | 9,457,000 |
| Net interest income | 3,757,000 | 7,456,000 | 11,245,000 | 15,205,000 |
| Noninterest income | 687,000 | 1,413,000 | 2,118,000 | 2,799,000 |
| Noninterest expense | 3,645,000 | 7,125,000 | 10,592,000 | 14,345,000 |
| Provision for loan losses | 41,000 | 163,000 | 268,000 | 2,059,000 |
| Pretax income | 803,000 | 1,658,000 | 2,559,000 | -384,000 |
| Income tax | 158,000 | 336,000 | 509,000 | -124,000 |
| Net income | 645,000 | 1,322,000 | 2,050,000 | -260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,888,000 | 68,587,000 | 69,334,000 | 67,041,000 |
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