Call reports 2005
EASTON BANK & TRUST COMPANY — 2005
What EASTON BANK & TRUST COMPANY 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 | 119,664,000 | 122,690,000 | 124,995,000 | 124,578,000 |
| Total loans | 100,113,000 | 105,471,000 | 101,345,000 | 107,069,000 |
| Allowance for loan losses | 1,408,000 | 1,484,000 | 1,559,000 | 1,700,000 |
| Securities available for sale | 8,818,000 | 8,429,000 | 8,938,000 | 9,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,072,000 | 96,462,000 | 104,469,000 | 104,489,000 |
| Interest-bearing deposits | 87,274,000 | 83,291,000 | 91,071,000 | 92,748,000 |
| Noninterest-bearing deposits | 12,798,000 | 13,171,000 | 13,398,000 | 11,741,000 |
| Equity capital | 9,473,000 | 9,867,000 | 10,288,000 | 10,473,000 |
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 | 1,744,000 | 3,619,000 | 5,638,000 | 7,763,000 |
| Interest expense | 500,000 | 1,045,000 | 1,661,000 | 2,339,000 |
| Net interest income | 1,244,000 | 2,574,000 | 3,977,000 | 5,424,000 |
| Noninterest income | 211,000 | 490,000 | 819,000 | 1,127,000 |
| Noninterest expense | 898,000 | 1,846,000 | 2,835,000 | 4,104,000 |
| Provision for loan losses | 75,000 | 152,000 | 227,000 | 372,000 |
| Pretax income | 482,000 | 1,066,000 | 1,734,000 | 2,075,000 |
| Income tax | 182,000 | 405,000 | 645,000 | 742,000 |
| Net income | 300,000 | 661,000 | 1,089,000 | 1,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,542,000 | 9,903,000 | 10,331,000 | 10,574,000 |
| Total capital | 10,788,000 | 11,208,000 | 11,657,000 | 11,958,000 |
| Risk-weighted assets | 99,468,000 | 104,173,000 | 105,762,000 | 110,273,000 |