Call reports 2004
EXCHANGE BANK AND TRUST COMPANY — 2004
What EXCHANGE BANK AND TRUST COMPANY 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 | 110,877,000 | 109,092,000 | 110,846,000 | 111,184,000 |
| Total loans | 67,237,000 | 66,953,000 | 66,895,000 | 68,270,000 |
| Allowance for loan losses | 814,000 | 873,000 | 881,000 | 908,000 |
| Securities available for sale | 33,277,000 | 33,334,000 | 34,278,000 | 33,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,042,000 | 96,334,000 | 94,843,000 | 94,838,000 |
| Interest-bearing deposits | 90,270,000 | 87,772,000 | 86,330,000 | 86,215,000 |
| Noninterest-bearing deposits | 7,772,000 | 8,562,000 | 8,513,000 | 8,623,000 |
| Equity capital | 10,085,000 | 9,400,000 | 10,093,000 | 10,014,000 |
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 | 1,488,000 | 3,001,000 | 4,513,000 | 6,028,000 |
| Interest expense | 366,000 | 724,000 | 1,096,000 | 1,492,000 |
| Net interest income | 1,122,000 | 2,277,000 | 3,417,000 | 4,536,000 |
| Noninterest income | 192,000 | 413,000 | 619,000 | 817,000 |
| Noninterest expense | 783,000 | 1,560,000 | 2,368,000 | 3,187,000 |
| Provision for loan losses | 114,000 | 228,000 | 342,000 | 456,000 |
| Pretax income | 437,000 | 922,000 | 1,349,000 | 1,737,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 437,000 | 922,000 | 1,349,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,857,000 | 8,981,000 | 9,099,000 | 9,171,000 |
| Total capital | 9,671,000 | 9,854,000 | 9,980,000 | 10,033,000 |
| Risk-weighted assets | 80,074,000 | 77,069,000 | 78,595,000 | 68,928,000 |
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