Call reports 2003
EXCHANGE BANK — 2003
What EXCHANGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,090,015,000 | 1,089,960,000 | 1,137,870,000 | 1,154,337,000 |
| Total loans | 694,202,000 | 747,211,000 | 755,485,000 | 795,420,000 |
| Allowance for loan losses | 10,856,000 | 11,367,000 | 11,955,000 | 11,837,000 |
| Securities available for sale | 263,181,000 | 206,426,000 | 254,789,000 | 238,762,000 |
| Securities held to maturity | 11,721,000 | 10,667,000 | 10,416,000 | 8,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 979,053,000 | 973,589,000 | 1,017,433,000 | 1,007,021,000 |
| Interest-bearing deposits | 662,184,000 | 644,285,000 | 649,163,000 | 648,868,000 |
| Noninterest-bearing deposits | 316,869,000 | 329,304,000 | 368,269,000 | 358,153,000 |
| Equity capital | 106,332,000 | 109,934,000 | 110,307,000 | 108,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 14,940,000 | 30,305,000 | 45,647,000 | 61,313,000 |
| Interest expense | 1,646,000 | 3,211,000 | 4,586,000 | 5,959,000 |
| Net interest income | 13,294,000 | 27,094,000 | 41,061,000 | 55,354,000 |
| Noninterest income | 3,552,000 | 7,748,000 | 12,004,000 | 16,461,000 |
| Noninterest expense | 10,672,000 | 21,796,000 | 33,123,000 | 47,523,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,900,000 |
| Pretax income | 5,640,000 | 12,393,000 | 18,689,000 | 21,939,000 |
| Income tax | 1,994,000 | 4,410,000 | 6,694,000 | 7,399,000 |
| Net income | 3,646,000 | 7,983,000 | 11,995,000 | 14,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,516,000 | 105,139,000 | 107,437,000 | 105,352,000 |
| Total capital | 113,372,000 | 116,506,000 | 119,392,000 | 117,189,000 |
| Risk-weighted assets | 934,977,000 | 922,934,000 | 982,409,000 | 1,043,921,000 |