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 | 1,167,325,000 | 1,238,596,000 | 1,242,149,000 | 1,281,398,000 |
| Total loans | 830,584,000 | 888,515,000 | 906,377,000 | 940,886,000 |
| Allowance for loan losses | 12,602,000 | 13,400,000 | 13,985,000 | 14,232,000 |
| Securities available for sale | 225,227,000 | 222,303,000 | 214,303,000 | 219,013,000 |
| Securities held to maturity | 8,243,000 | 7,514,000 | 5,828,000 | 4,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,013,494,000 | 1,060,145,000 | 1,067,812,000 | 1,114,727,000 |
| Interest-bearing deposits | 663,203,000 | 679,622,000 | 685,756,000 | 725,721,000 |
| Noninterest-bearing deposits | 350,291,000 | 380,523,000 | 382,055,000 | 389,007,000 |
| Equity capital | 111,855,000 | 111,203,000 | 115,994,000 | 113,741,000 |
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 | 15,435,000 | 31,507,000 | 48,070,000 | 65,265,000 |
| Interest expense | 1,362,000 | 2,753,000 | 4,327,000 | 6,096,000 |
| Net interest income | 14,073,000 | 28,754,000 | 43,743,000 | 59,169,000 |
| Noninterest income | 4,291,000 | 8,857,000 | 13,403,000 | 17,864,000 |
| Noninterest expense | 11,189,000 | 22,824,000 | 34,034,000 | 48,890,000 |
| Provision for loan losses | 800,000 | 1,550,000 | 2,250,000 | 3,000,000 |
| Pretax income | 6,704,000 | 13,566,000 | 21,204,000 | 25,485,000 |
| Income tax | 2,437,000 | 4,941,000 | 7,820,000 | 9,027,000 |
| Net income | 4,267,000 | 8,625,000 | 13,384,000 | 16,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,905,000 | 110,549,000 | 113,594,000 | 112,039,000 |
| Total capital | 120,507,000 | 123,949,000 | 127,579,000 | 126,271,000 |
| Risk-weighted assets | 1,036,016,000 | 1,118,011,000 | 1,145,557,000 | 1,187,833,000 |