Call reports 2002
EXCHANGE BANK & TRUST — 2002
What EXCHANGE BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 158,367,000 | 152,461,000 | 150,920,000 | 152,278,000 |
| Total loans | 104,960,000 | 106,058,000 | 106,293,000 | 107,303,000 |
| Allowance for loan losses | 1,334,000 | 1,365,000 | 1,367,000 | 1,381,000 |
| Securities available for sale | 31,483,000 | 33,073,000 | 32,576,000 | 33,068,000 |
| Securities held to maturity | 726,000 | 725,000 | 625,000 | 275,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,436,000 | 130,849,000 | 128,835,000 | 130,514,000 |
| Interest-bearing deposits | 110,462,000 | 105,275,000 | 103,629,000 | 102,663,000 |
| Noninterest-bearing deposits | 25,974,000 | 25,574,000 | 25,206,000 | 27,851,000 |
| Equity capital | 15,749,000 | 16,254,000 | 16,682,000 | 16,292,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,505,000 | 4,954,000 | 7,401,000 | 9,769,000 |
| Interest expense | 884,000 | 1,695,000 | 2,488,000 | 3,218,000 |
| Net interest income | 1,621,000 | 3,259,000 | 4,913,000 | 6,551,000 |
| Noninterest income | 355,000 | 692,000 | 1,025,000 | 1,331,000 |
| Noninterest expense | 936,000 | 1,820,000 | 2,711,000 | 3,948,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 992,000 | 2,035,000 | 3,083,000 | 3,742,000 |
| Income tax | 341,000 | 696,000 | 1,064,000 | 1,281,000 |
| Net income | 651,000 | 1,339,000 | 2,019,000 | 2,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,427,000 | 15,694,000 | 15,814,000 | 15,457,000 |
| Total capital | 16,761,000 | 17,033,000 | 17,153,000 | 16,816,000 |
| Risk-weighted assets | 107,756,000 | 107,102,000 | 107,091,000 | 108,699,000 |
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