Call reports 2005
EXCHANGE BANK AND TRUST COMPANY — 2005
What EXCHANGE BANK AND TRUST COMPANY 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 | 112,860,000 | 110,054,000 | 110,199,000 | 111,868,000 |
| Total loans | 67,576,000 | 65,694,000 | 64,643,000 | 65,351,000 |
| Allowance for loan losses | 939,000 | 939,000 | 1,010,000 | 916,000 |
| Securities available for sale | 33,346,000 | 33,199,000 | 34,046,000 | 37,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,073,000 | 96,742,000 | 97,728,000 | 97,476,000 |
| Interest-bearing deposits | 88,253,000 | 86,699,000 | 88,189,000 | 88,043,000 |
| Noninterest-bearing deposits | 9,820,000 | 10,043,000 | 9,539,000 | 9,433,000 |
| Equity capital | 9,764,000 | 9,938,000 | 9,844,000 | 9,658,000 |
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 | 1,548,000 | 3,126,000 | 4,723,000 | 6,376,000 |
| Interest expense | 431,000 | 917,000 | 1,456,000 | 2,082,000 |
| Net interest income | 1,117,000 | 2,209,000 | 3,267,000 | 4,294,000 |
| Noninterest income | 199,000 | 417,000 | 669,000 | 950,000 |
| Noninterest expense | 760,000 | 1,541,000 | 2,361,000 | 3,202,000 |
| Provision for loan losses | 104,000 | 203,000 | 302,000 | 401,000 |
| Pretax income | 466,000 | 906,000 | 1,310,000 | 1,678,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 465,000 | 905,000 | 1,309,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,363,000 | 9,428,000 | 9,547,000 | 9,680,000 |
| Total capital | 10,243,000 | 10,293,000 | 10,425,000 | 10,596,000 |
| Risk-weighted assets | 70,301,000 | 69,132,000 | 70,130,000 | 73,411,000 |
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