Call reports 2005
EASTBANK — 2005
What EASTBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,911,000 | 29,264,000 | 25,964,000 | 23,742,000 |
| Total loans | 25,475,000 | 18,668,000 | 16,844,000 | 16,082,000 |
| Allowance for loan losses | 1,093,000 | 978,000 | 944,000 | 739,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,972,000 | 21,741,000 | 18,659,000 | 16,500,000 |
| Interest-bearing deposits | 18,785,000 | 16,614,000 | 13,588,000 | 12,139,000 |
| Noninterest-bearing deposits | 5,187,000 | 5,127,000 | 5,071,000 | 4,361,000 |
| Equity capital | 3,164,000 | 2,791,000 | 2,783,000 | 3,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 508,000 | 940,000 | 1,371,000 | 1,801,000 |
| Interest expense | 148,000 | 302,000 | 440,000 | 566,000 |
| Net interest income | 360,000 | 638,000 | 931,000 | 1,235,000 |
| Noninterest income | 70,000 | -31,000 | 95,000 | 212,000 |
| Noninterest expense | 481,000 | 985,000 | 1,426,000 | 1,853,000 |
| Provision for loan losses | -89,000 | 210,000 | 210,000 | 210,000 |
| Pretax income | 38,000 | -588,000 | -610,000 | -616,000 |
| Income tax | 16,000 | -237,000 | -251,000 | -235,000 |
| Net income | 22,000 | -351,000 | -359,000 | -381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,164,000 | 2,791,000 | 2,783,000 | 2,833,000 |
| Total capital | 3,500,000 | 3,049,000 | 3,017,000 | 3,053,000 |
| Risk-weighted assets | 26,142,000 | 19,895,000 | 17,993,000 | 17,065,000 |