Call reports 2005
EXCHANGE BANK CO. — 2005
What EXCHANGE BANK CO. 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 | 88,720,000 | 90,436,000 | 92,636,000 | 91,714,000 |
| Total loans | 34,585,000 | 36,359,000 | 39,627,000 | 39,038,000 |
| Allowance for loan losses | 186,000 | 202,000 | 212,000 | 210,000 |
| Securities available for sale | 45,717,000 | 44,492,000 | 43,120,000 | 41,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,057,000 | 73,201,000 | 69,628,000 | 70,511,000 |
| Interest-bearing deposits | 67,453,000 | 63,218,000 | 60,357,000 | 59,420,000 |
| Noninterest-bearing deposits | 9,604,000 | 9,984,000 | 9,272,000 | 11,091,000 |
| Equity capital | 9,486,000 | 9,457,000 | 9,486,000 | 9,383,000 |
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 | 927,000 | 1,876,000 | 2,864,000 | 3,896,000 |
| Interest expense | 283,000 | 592,000 | 966,000 | 1,364,000 |
| Net interest income | 644,000 | 1,284,000 | 1,898,000 | 2,532,000 |
| Noninterest income | 107,000 | 217,000 | 422,000 | 529,000 |
| Noninterest expense | 641,000 | 1,292,000 | 1,938,000 | 2,527,000 |
| Provision for loan losses | 4,000 | 14,000 | 23,000 | 66,000 |
| Pretax income | 106,000 | 195,000 | 359,000 | 468,000 |
| Income tax | 40,000 | 90,000 | 99,000 | 123,000 |
| Net income | 66,000 | 105,000 | 260,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,365,000 | 6,432,000 | 6,630,000 | 6,760,000 |
| Total capital | 6,551,000 | 6,634,000 | 6,842,000 | 6,970,000 |
| Risk-weighted assets | 43,116,000 | 44,843,000 | 48,364,000 | 48,074,000 |
Machine access — free, no API key
Every figure shown here about EXCHANGE BANK CO. — 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.