Call reports 2004
EXCHANGE BANK — 2004
What 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 | 100,538,000 | 91,230,000 | 90,890,000 | 93,196,000 |
| Total loans | 71,051,000 | 72,881,000 | 70,685,000 | 65,230,000 |
| Allowance for loan losses | 101,000 | 4,571,000 | 3,728,000 | 2,769,000 |
| Securities available for sale | 20,548,000 | 13,147,000 | 15,662,000 | 21,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,697,000 | 72,275,000 | 71,714,000 | 72,726,000 |
| Interest-bearing deposits | 73,508,000 | 67,299,000 | 67,150,000 | 66,722,000 |
| Noninterest-bearing deposits | 4,188,000 | 4,976,000 | 4,564,000 | 6,003,000 |
| Equity capital | 9,471,000 | 7,560,000 | 7,729,000 | 7,684,000 |
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 | 1,634,000 | 2,913,000 | 3,997,000 | 5,364,000 |
| Interest expense | 598,000 | 1,128,000 | 1,657,000 | 2,210,000 |
| Net interest income | 1,036,000 | 1,785,000 | 2,340,000 | 3,154,000 |
| Noninterest income | 113,000 | 197,000 | 267,000 | 433,000 |
| Noninterest expense | 422,000 | 1,115,000 | 1,849,000 | 2,393,000 |
| Provision for loan losses | 220,000 | 4,627,000 | 5,493,000 | 5,893,000 |
| Pretax income | 517,000 | -3,696,000 | -4,641,000 | -4,593,000 |
| Income tax | 10,000 | 13,000 | -12,000 | -12,000 |
| Net income | 507,000 | -3,709,000 | -4,629,000 | -4,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,886,000 | 7,471,000 | 7,350,000 | 7,399,000 |
| Total capital | 8,987,000 | 8,494,000 | 8,355,000 | 8,377,000 |
| Risk-weighted assets | 82,137,000 | 78,265,000 | 77,705,000 | 76,415,000 |
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