Call reports 2004
EXCHANGE BANK & TRUST — 2004
What EXCHANGE BANK & TRUST 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 | 165,967,000 | 168,063,000 | 171,401,000 | 181,307,000 |
| Total loans | 118,435,000 | 124,085,000 | 123,743,000 | 121,253,000 |
| Allowance for loan losses | 1,444,000 | 1,455,000 | 1,479,000 | 1,503,000 |
| Securities available for sale | 37,097,000 | 36,448,000 | 38,945,000 | 33,022,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,418,000 | 136,874,000 | 136,186,000 | 146,369,000 |
| Interest-bearing deposits | 104,160,000 | 107,717,000 | 106,939,000 | 112,931,000 |
| Noninterest-bearing deposits | 30,258,000 | 29,156,000 | 29,247,000 | 33,438,000 |
| Equity capital | 16,404,000 | 16,165,000 | 16,488,000 | 16,188,000 |
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 | 2,137,000 | 4,280,000 | 6,447,000 | 8,594,000 |
| Interest expense | 503,000 | 991,000 | 1,498,000 | 2,041,000 |
| Net interest income | 1,634,000 | 3,289,000 | 4,949,000 | 6,553,000 |
| Noninterest income | 391,000 | 771,000 | 1,185,000 | 1,549,000 |
| Noninterest expense | 954,000 | 1,857,000 | 2,836,000 | 4,057,000 |
| Provision for loan losses | 50,000 | 99,000 | 149,000 | 222,000 |
| Pretax income | 1,021,000 | 2,104,000 | 3,146,000 | 3,820,000 |
| Income tax | 352,000 | 726,000 | 1,087,000 | 1,310,000 |
| Net income | 669,000 | 1,378,000 | 2,059,000 | 2,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,842,000 | 16,051,000 | 16,232,000 | 16,063,000 |
| Total capital | 17,286,000 | 17,506,000 | 17,711,000 | 17,566,000 |
| Risk-weighted assets | 120,155,000 | 124,213,000 | 124,670,000 | 124,967,000 |
Machine access — free, no API key
Every figure shown here about EXCHANGE BANK & TRUST — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.