Call reports 2005
EXCHANGE BANK, THE — 2005
What EXCHANGE BANK, THE 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 | 90,111,000 | 93,269,000 | 93,099,000 | 93,337,000 |
| Total loans | 61,247,000 | 62,960,000 | 64,553,000 | 65,280,000 |
| Allowance for loan losses | 532,000 | 539,000 | 570,000 | 559,000 |
| Securities available for sale | 19,479,000 | 19,955,000 | 19,905,000 | 19,541,000 |
| Securities held to maturity | 1,907,000 | 1,411,000 | 1,411,000 | 1,411,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,501,000 | 67,637,000 | 66,553,000 | 65,971,000 |
| Interest-bearing deposits | 57,555,000 | 58,585,000 | 56,981,000 | 56,528,000 |
| Noninterest-bearing deposits | 8,946,000 | 9,052,000 | 9,573,000 | 9,443,000 |
| Equity capital | 6,390,000 | 6,692,000 | 6,771,000 | 6,706,000 |
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 | 1,405,000 | 2,943,000 | 4,550,000 | 6,207,000 |
| Interest expense | 461,000 | 951,000 | 1,475,000 | 2,037,000 |
| Net interest income | 944,000 | 1,992,000 | 3,075,000 | 4,170,000 |
| Noninterest income | 190,000 | 415,000 | 668,000 | 891,000 |
| Noninterest expense | 844,000 | 1,719,000 | 2,641,000 | 3,541,000 |
| Provision for loan losses | 35,000 | 80,000 | 190,000 | 310,000 |
| Pretax income | 255,000 | 608,000 | 912,000 | 1,210,000 |
| Income tax | 50,000 | 118,000 | 180,000 | 260,000 |
| Net income | 205,000 | 490,000 | 732,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,430,000 | 6,636,000 | 6,778,000 | 6,836,000 |
| Total capital | 6,975,000 | 7,191,000 | 7,367,000 | 7,395,000 |
| Risk-weighted assets | 66,189,000 | 68,025,000 | 68,235,000 | 68,869,000 |
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