Call reports 2004
EASTON BANK & TRUST COMPANY — 2004
What EASTON BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,937,000 | 105,685,000 | 106,463,000 | 111,774,000 |
| Total loans | 86,385,000 | 88,846,000 | 92,270,000 | 94,464,000 |
| Allowance for loan losses | 1,183,000 | 1,244,000 | 1,285,000 | 1,322,000 |
| Securities available for sale | 7,351,000 | 6,687,000 | 8,295,000 | 8,807,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,537,000 | 91,215,000 | 91,606,000 | 92,223,000 |
| Interest-bearing deposits | 77,319,000 | 78,751,000 | 79,710,000 | 81,676,000 |
| Noninterest-bearing deposits | 12,218,000 | 12,464,000 | 11,896,000 | 10,546,000 |
| Equity capital | 8,564,000 | 8,644,000 | 9,014,000 | 9,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,392,000 | 2,837,000 | 4,343,000 | 6,015,000 |
| Interest expense | 449,000 | 887,000 | 1,318,000 | 1,775,000 |
| Net interest income | 943,000 | 1,950,000 | 3,025,000 | 4,240,000 |
| Noninterest income | 200,000 | 417,000 | 611,000 | 839,000 |
| Noninterest expense | 782,000 | 1,593,000 | 2,465,000 | 3,384,000 |
| Provision for loan losses | 59,000 | 118,000 | 157,000 | 207,000 |
| Pretax income | 321,000 | 675,000 | 1,033,000 | 1,507,000 |
| Income tax | 120,000 | 200,000 | 300,000 | 528,000 |
| Net income | 201,000 | 475,000 | 733,000 | 979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,502,000 | 8,738,000 | 8,996,000 | 9,242,000 |
| Total capital | 9,588,000 | 9,859,000 | 10,150,000 | 10,424,000 |
| Risk-weighted assets | 86,765,000 | 89,475,000 | 92,152,000 | 94,365,000 |