Call reports 2003
EASTON BANK & TRUST COMPANY — 2003
What EASTON BANK & 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 | 96,036,000 | 100,010,000 | 98,996,000 | 101,837,000 |
| Total loans | 79,654,000 | 87,624,000 | 81,294,000 | 83,801,000 |
| Allowance for loan losses | 997,000 | 1,069,000 | 1,103,000 | 1,137,000 |
| Securities available for sale | 5,384,000 | 4,666,000 | 5,727,000 | 8,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,730,000 | 81,821,000 | 84,195,000 | 87,487,000 |
| Interest-bearing deposits | 74,423,000 | 70,272,000 | 73,702,000 | 75,561,000 |
| Noninterest-bearing deposits | 9,307,000 | 11,549,000 | 10,492,000 | 11,926,000 |
| Equity capital | 6,250,000 | 8,150,000 | 8,253,000 | 8,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,303,000 | 2,708,000 | 4,075,000 | 5,476,000 |
| Interest expense | 484,000 | 976,000 | 1,460,000 | 1,936,000 |
| Net interest income | 819,000 | 1,732,000 | 2,615,000 | 3,540,000 |
| Noninterest income | 202,000 | 423,000 | 646,000 | 851,000 |
| Noninterest expense | 732,000 | 1,548,000 | 2,391,000 | 3,198,000 |
| Provision for loan losses | 58,000 | 117,000 | 156,000 | 156,000 |
| Pretax income | 231,000 | 490,000 | 719,000 | 1,042,000 |
| Income tax | 86,000 | 168,000 | 272,000 | 362,000 |
| Net income | 145,000 | 322,000 | 447,000 | 680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,192,000 | 8,090,000 | 8,215,000 | 8,348,000 |
| Total capital | 7,147,000 | 9,140,000 | 9,207,000 | 9,382,000 |
| Risk-weighted assets | 76,319,000 | 83,904,000 | 79,186,000 | 82,609,000 |