Call reports 2002
EXCHANGE BANK — 2002
What EXCHANGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 992,642,000 | 1,039,609,000 | 1,020,027,000 | 1,051,689,000 |
| Total loans | 608,028,000 | 629,498,000 | 658,218,000 | 677,275,000 |
| Allowance for loan losses | 9,745,000 | 10,220,000 | 10,763,000 | 10,345,000 |
| Securities available for sale | 257,895,000 | 253,346,000 | 244,482,000 | 247,345,000 |
| Securities held to maturity | 13,535,000 | 13,441,000 | 12,242,000 | 11,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 887,447,000 | 931,647,000 | 908,676,000 | 941,281,000 |
| Interest-bearing deposits | 590,864,000 | 597,863,000 | 596,983,000 | 604,102,000 |
| Noninterest-bearing deposits | 296,583,000 | 333,784,000 | 311,692,000 | 337,179,000 |
| Equity capital | 99,940,000 | 103,448,000 | 106,701,000 | 104,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 14,397,000 | 29,234,000 | 44,388,000 | 59,358,000 |
| Interest expense | 2,035,000 | 3,989,000 | 5,915,000 | 7,713,000 |
| Net interest income | 12,362,000 | 25,245,000 | 38,473,000 | 51,645,000 |
| Noninterest income | 3,334,000 | 6,733,000 | 10,221,000 | 13,804,000 |
| Noninterest expense | 9,782,000 | 19,689,000 | 30,441,000 | 43,491,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,000,000 |
| Pretax income | 5,204,000 | 11,009,000 | 16,954,000 | 20,459,000 |
| Income tax | 1,820,000 | 3,897,000 | 6,004,000 | 6,960,000 |
| Net income | 3,384,000 | 7,112,000 | 10,950,000 | 13,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,355,000 | 100,369,000 | 102,493,000 | 100,584,000 |
| Total capital | 108,100,000 | 110,589,000 | 113,256,000 | 110,929,000 |
| Risk-weighted assets | 860,494,000 | 893,030,000 | 890,444,000 | 901,470,000 |