Call reports 2003
EXCHANGE BANK & TRUST — 2003
What EXCHANGE BANK & TRUST 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 | 159,232,000 | 168,156,000 | 163,660,000 | 171,432,000 |
| Total loans | 108,167,000 | 110,413,000 | 112,141,000 | 113,498,000 |
| Allowance for loan losses | 1,417,000 | 1,431,000 | 1,445,000 | 1,439,000 |
| Securities available for sale | 31,605,000 | 41,331,000 | 43,497,000 | 38,204,000 |
| Securities held to maturity | 275,000 | 175,000 | 175,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,284,000 | 135,723,000 | 131,105,000 | 140,370,000 |
| Interest-bearing deposits | 108,818,000 | 110,572,000 | 104,194,000 | 109,483,000 |
| Noninterest-bearing deposits | 27,466,000 | 25,151,000 | 26,912,000 | 30,886,000 |
| Equity capital | 16,398,000 | 16,694,000 | 16,549,000 | 16,144,000 |
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 | 2,274,000 | 4,545,000 | 6,784,000 | 8,975,000 |
| Interest expense | 638,000 | 1,247,000 | 1,822,000 | 2,356,000 |
| Net interest income | 1,636,000 | 3,298,000 | 4,962,000 | 6,619,000 |
| Noninterest income | 371,000 | 717,000 | 1,073,000 | 1,379,000 |
| Noninterest expense | 939,000 | 1,866,000 | 2,825,000 | 4,151,000 |
| Provision for loan losses | 50,000 | 99,000 | 148,000 | 198,000 |
| Pretax income | 1,018,000 | 2,050,000 | 3,069,000 | 3,655,000 |
| Income tax | 351,000 | 705,000 | 1,056,000 | 1,239,000 |
| Net income | 667,000 | 1,345,000 | 2,013,000 | 2,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,623,000 | 15,802,000 | 15,970,000 | 15,673,000 |
| Total capital | 17,005,000 | 17,224,000 | 17,387,000 | 17,112,000 |
| Risk-weighted assets | 110,512,000 | 113,778,000 | 113,333,000 | 117,149,000 |
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