Call reports 2005
EXCHANGE BANK — 2005
What 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 | 91,767,000 | 96,536,000 | 100,119,000 | 98,661,000 |
| Total loans | 59,489,000 | 62,783,000 | 64,562,000 | 61,205,000 |
| Allowance for loan losses | 2,688,000 | 2,639,000 | 2,682,000 | 2,524,000 |
| Securities available for sale | 26,387,000 | 27,461,000 | 27,468,000 | 29,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,048,000 | 75,367,000 | 76,231,000 | 78,315,000 |
| Interest-bearing deposits | 69,150,000 | 71,590,000 | 71,844,000 | 73,540,000 |
| Noninterest-bearing deposits | 3,898,000 | 3,777,000 | 4,386,000 | 4,775,000 |
| Equity capital | 7,413,000 | 8,073,000 | 8,108,000 | 8,004,000 |
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 | 1,312,000 | 2,848,000 | 4,266,000 | 5,672,000 |
| Interest expense | 566,000 | 1,186,000 | 1,863,000 | 2,572,000 |
| Net interest income | 746,000 | 1,662,000 | 2,403,000 | 3,100,000 |
| Noninterest income | 135,000 | 251,000 | 324,000 | 544,000 |
| Noninterest expense | 799,000 | 1,596,000 | 2,336,000 | 3,033,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 54,000 | 265,000 | 309,000 | 499,000 |
| Income tax | 3,000 | 3,000 | 4,000 | 21,000 |
| Net income | 51,000 | 262,000 | 305,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,450,000 | 7,861,000 | 7,903,000 | 8,076,000 |
| Total capital | 8,381,000 | 8,834,000 | 8,907,000 | 9,050,000 |
| Risk-weighted assets | 72,706,000 | 76,173,000 | 78,681,000 | 76,364,000 |
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