Call reports 2003
EAGLE BANK AND TRUST COMPANY — 2003
What EAGLE BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 77,275,000 | 79,694,000 | 86,040,000 | 82,414,000 |
| Total loans | 35,351,000 | 37,631,000 | 40,479,000 | 40,600,000 |
| Allowance for loan losses | 460,000 | 406,000 | 417,000 | 421,000 |
| Securities available for sale | 34,297,000 | 38,298,000 | 38,924,000 | 32,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,868,000 | 70,005,000 | 75,201,000 | 71,979,000 |
| Interest-bearing deposits | 54,881,000 | 55,465,000 | 63,036,000 | 57,839,000 |
| Noninterest-bearing deposits | 10,987,000 | 14,540,000 | 12,165,000 | 14,140,000 |
| Equity capital | 6,795,000 | 7,070,000 | 6,980,000 | 7,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 981,000 | 2,004,000 | 3,062,000 | 4,134,000 |
| Interest expense | 322,000 | 624,000 | 896,000 | 1,156,000 |
| Net interest income | 659,000 | 1,380,000 | 2,166,000 | 2,978,000 |
| Noninterest income | 178,000 | 307,000 | 423,000 | 533,000 |
| Noninterest expense | 591,000 | 1,217,000 | 1,844,000 | 2,513,000 |
| Provision for loan losses | 0 | 0 | 13,000 | 35,000 |
| Pretax income | 246,000 | 471,000 | 734,000 | 975,000 |
| Income tax | 59,000 | 99,000 | 163,000 | 214,000 |
| Net income | 187,000 | 372,000 | 571,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,602,000 | 6,787,000 | 6,986,000 | 7,001,000 |
| Total capital | 7,062,000 | 7,193,000 | 7,403,000 | 7,422,000 |
| Risk-weighted assets | 44,123,000 | 47,224,000 | 49,814,000 | 48,698,000 |