Call reports 2004
EXCHANGE BANK CO. — 2004
What EXCHANGE BANK CO. 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 | 93,949,000 | 92,443,000 | 93,839,000 | 91,428,000 |
| Total loans | 27,378,000 | 29,194,000 | 32,267,000 | 35,038,000 |
| Allowance for loan losses | 118,000 | 181,000 | 181,000 | 182,000 |
| Securities available for sale | 57,051,000 | 53,729,000 | 51,874,000 | 46,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,204,000 | 79,605,000 | 79,470,000 | 78,670,000 |
| Interest-bearing deposits | 70,369,000 | 69,686,000 | 69,912,000 | 68,354,000 |
| Noninterest-bearing deposits | 10,835,000 | 9,919,000 | 9,558,000 | 10,316,000 |
| Equity capital | 9,713,000 | 8,758,000 | 9,583,000 | 9,419,000 |
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 | 675,000 | 1,569,000 | 2,476,000 | 3,402,000 |
| Interest expense | 250,000 | 541,000 | 832,000 | 1,121,000 |
| Net interest income | 425,000 | 1,028,000 | 1,644,000 | 2,281,000 |
| Noninterest income | 72,000 | 170,000 | 281,000 | 382,000 |
| Noninterest expense | 519,000 | 1,108,000 | 1,733,000 | 2,423,000 |
| Provision for loan losses | 0 | 63,000 | 63,000 | 64,000 |
| Pretax income | -22,000 | 27,000 | 181,000 | 220,000 |
| Income tax | 16,000 | 26,000 | 37,000 | 74,000 |
| Net income | -38,000 | 1,000 | 144,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,975,000 | 6,034,000 | 6,233,000 | 6,262,000 |
| Total capital | 6,093,000 | 6,215,000 | 6,414,000 | 6,444,000 |
| Risk-weighted assets | 40,446,000 | 42,298,000 | 43,626,000 | 44,400,000 |
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