Call reports 2006
EASTON BANK & TRUST COMPANY — 2006
What EASTON BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 123,688,000 | 126,087,000 | 134,357,000 | 138,559,000 |
| Total loans | 102,859,000 | 107,682,000 | 108,760,000 | 111,012,000 |
| Allowance for loan losses | 1,765,000 | 1,839,000 | 1,888,000 | 1,913,000 |
| Securities available for sale | 8,956,000 | 9,852,000 | 9,733,000 | 10,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,479,000 | 104,000,000 | 111,726,000 | 116,940,000 |
| Interest-bearing deposits | 93,726,000 | 89,222,000 | 97,096,000 | 101,859,000 |
| Noninterest-bearing deposits | 12,754,000 | 14,778,000 | 14,630,000 | 15,081,000 |
| Equity capital | 10,893,000 | 11,219,000 | 11,689,000 | 12,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,115,000 | 4,343,000 | 6,771,000 | 9,323,000 |
| Interest expense | 673,000 | 1,397,000 | 2,262,000 | 3,195,000 |
| Net interest income | 1,442,000 | 2,946,000 | 4,509,000 | 6,128,000 |
| Noninterest income | 326,000 | 630,000 | 962,000 | 1,236,000 |
| Noninterest expense | 1,061,000 | 2,188,000 | 3,364,000 | 4,622,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 632,000 | 1,238,000 | 1,882,000 | 2,458,000 |
| Income tax | 215,000 | 440,000 | 700,000 | 878,000 |
| Net income | 417,000 | 798,000 | 1,182,000 | 1,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,992,000 | 11,373,000 | 11,757,000 | 12,155,000 |
| Total capital | 12,315,000 | 12,826,000 | 13,182,000 | 13,623,000 |
| Risk-weighted assets | 105,292,000 | 115,768,000 | 113,470,000 | 116,896,000 |