Call reports 2005
FIRST EXCHANGE BANK — 2005
What FIRST EXCHANGE BANK 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 | 132,609,000 | 134,675,000 | 137,888,000 | 137,563,000 |
| Total loans | 114,300,000 | 118,680,000 | 122,649,000 | 123,295,000 |
| Allowance for loan losses | 1,141,000 | 1,185,000 | 1,196,000 | 1,205,000 |
| Securities available for sale | 8,069,000 | 7,955,000 | 6,539,000 | 6,069,000 |
| Securities held to maturity | 203,000 | 187,000 | 181,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,046,000 | 121,534,000 | 122,860,000 | 123,348,000 |
| Interest-bearing deposits | 105,696,000 | 103,372,000 | 104,205,000 | 103,477,000 |
| Noninterest-bearing deposits | 17,350,000 | 18,162,000 | 18,655,000 | 19,872,000 |
| Equity capital | 8,889,000 | 9,064,000 | 9,520,000 | 9,565,000 |
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 | 1,801,000 | 3,700,000 | 5,717,000 | 7,789,000 |
| Interest expense | 553,000 | 1,133,000 | 1,779,000 | 2,442,000 |
| Net interest income | 1,248,000 | 2,567,000 | 3,938,000 | 5,347,000 |
| Noninterest income | 163,000 | 361,000 | 589,000 | 801,000 |
| Noninterest expense | 955,000 | 1,970,000 | 2,955,000 | 3,937,000 |
| Provision for loan losses | 67,000 | 135,000 | 202,000 | 305,000 |
| Pretax income | 389,000 | 823,000 | 1,370,000 | 1,906,000 |
| Income tax | 132,000 | 292,000 | 498,000 | 697,000 |
| Net income | 257,000 | 531,000 | 872,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,916,000 | 9,075,000 | 9,482,000 | 9,648,000 |
| Total capital | 10,057,000 | 10,260,000 | 10,678,000 | 10,853,000 |
| Risk-weighted assets | 98,905,000 | 100,849,000 | 102,295,000 | 104,381,000 |
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