Call reports 2004
EXCHANGE BANK, THE — 2004
What EXCHANGE BANK, THE 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 | 84,401,000 | 86,961,000 | 87,139,000 | 90,045,000 |
| Total loans | 55,216,000 | 57,919,000 | 58,741,000 | 60,690,000 |
| Allowance for loan losses | 525,000 | 524,000 | 502,000 | 515,000 |
| Securities available for sale | 18,971,000 | 19,409,000 | 19,272,000 | 19,708,000 |
| Securities held to maturity | 2,564,000 | 2,395,000 | 2,207,000 | 1,900,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,730,000 | 62,846,000 | 61,884,000 | 62,148,000 |
| Interest-bearing deposits | 55,523,000 | 55,056,000 | 53,372,000 | 54,060,000 |
| Noninterest-bearing deposits | 7,207,000 | 7,790,000 | 8,512,000 | 8,088,000 |
| Equity capital | 6,177,000 | 5,987,000 | 6,358,000 | 6,447,000 |
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 | 1,265,000 | 2,561,000 | 3,929,000 | 5,316,000 |
| Interest expense | 433,000 | 859,000 | 1,287,000 | 1,676,000 |
| Net interest income | 832,000 | 1,702,000 | 2,642,000 | 3,640,000 |
| Noninterest income | 212,000 | 436,000 | 650,000 | 862,000 |
| Noninterest expense | 839,000 | 1,659,000 | 2,478,000 | 3,336,000 |
| Provision for loan losses | 78,000 | 118,000 | 158,000 | 223,000 |
| Pretax income | 127,000 | 409,000 | 708,000 | 996,000 |
| Income tax | 25,000 | 80,000 | 142,000 | 185,000 |
| Net income | 102,000 | 329,000 | 566,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,936,000 | 6,083,000 | 6,241,000 | 6,366,000 |
| Total capital | 6,462,000 | 6,610,000 | 6,749,000 | 6,890,000 |
| Risk-weighted assets | 56,599,000 | 63,715,000 | 64,507,000 | 65,891,000 |
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