Call reports 2004
FIRST EXCHANGE BANK — 2004
What FIRST EXCHANGE BANK 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 | 119,890,000 | 121,802,000 | 125,995,000 | 130,947,000 |
| Total loans | 98,206,000 | 102,913,000 | 107,934,000 | 111,417,000 |
| Allowance for loan losses | 907,000 | 1,004,000 | 1,063,000 | 1,129,000 |
| Securities available for sale | 13,121,000 | 10,493,000 | 9,598,000 | 8,201,000 |
| Securities held to maturity | 231,000 | 221,000 | 215,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,136,000 | 112,201,000 | 116,906,000 | 121,525,000 |
| Interest-bearing deposits | 95,585,000 | 98,275,000 | 102,053,000 | 104,495,000 |
| Noninterest-bearing deposits | 15,551,000 | 13,926,000 | 14,853,000 | 17,030,000 |
| Equity capital | 8,037,000 | 8,011,000 | 8,475,000 | 8,803,000 |
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 | 1,663,000 | 3,350,000 | 5,087,000 | 6,876,000 |
| Interest expense | 490,000 | 990,000 | 1,527,000 | 2,072,000 |
| Net interest income | 1,173,000 | 2,360,000 | 3,560,000 | 4,804,000 |
| Noninterest income | 125,000 | 287,000 | 441,000 | 600,000 |
| Noninterest expense | 879,000 | 1,804,000 | 2,730,000 | 3,653,000 |
| Provision for loan losses | 98,000 | 195,000 | 292,000 | 376,000 |
| Pretax income | 321,000 | 650,000 | 981,000 | 1,377,000 |
| Income tax | 116,000 | 236,000 | 354,000 | 468,000 |
| Net income | 205,000 | 414,000 | 627,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,011,000 | 8,137,000 | 8,468,000 | 8,816,000 |
| Total capital | 8,918,000 | 9,141,000 | 9,531,000 | 9,945,000 |
| Risk-weighted assets | 86,282,000 | 89,566,000 | 93,096,000 | 97,695,000 |
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