Call reports 2005
EXCHANGE BANK & TRUST — 2005
What EXCHANGE BANK & TRUST 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 | 169,512,000 | 165,061,000 | 156,932,000 | 166,211,000 |
| Total loans | 118,067,000 | 121,441,000 | 124,485,000 | 122,728,000 |
| Allowance for loan losses | 1,591,000 | 1,598,000 | 1,578,000 | 1,570,000 |
| Securities available for sale | 34,299,000 | 32,076,000 | 25,625,000 | 25,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,495,000 | 136,567,000 | 134,439,000 | 142,806,000 |
| Interest-bearing deposits | 103,366,000 | 103,872,000 | 100,461,000 | 108,044,000 |
| Noninterest-bearing deposits | 31,129,000 | 32,695,000 | 33,978,000 | 34,762,000 |
| Equity capital | 16,172,000 | 16,327,000 | 16,470,000 | 16,236,000 |
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 | 2,158,000 | 4,338,000 | 6,540,000 | 8,805,000 |
| Interest expense | 554,000 | 1,126,000 | 1,699,000 | 2,329,000 |
| Net interest income | 1,604,000 | 3,212,000 | 4,841,000 | 6,476,000 |
| Noninterest income | 402,000 | 801,000 | 1,246,000 | 1,642,000 |
| Noninterest expense | 925,000 | 1,896,000 | 2,872,000 | 4,174,000 |
| Provision for loan losses | 58,000 | 123,000 | 149,000 | 174,000 |
| Pretax income | 1,023,000 | 1,994,000 | 3,068,000 | 3,772,000 |
| Income tax | 349,000 | 667,000 | 1,024,000 | 1,246,000 |
| Net income | 674,000 | 1,327,000 | 2,044,000 | 2,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,217,000 | 16,350,000 | 16,547,000 | 16,389,000 |
| Total capital | 17,718,000 | 17,882,000 | 18,084,000 | 17,939,000 |
| Risk-weighted assets | 120,007,000 | 122,462,000 | 122,930,000 | 123,940,000 |
Machine access — free, no API key
Every figure shown here about EXCHANGE BANK & TRUST — 2005 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.