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 | 1,297,209,000 | 1,343,625,000 | 1,372,244,000 | 1,397,779,000 |
| Total loans | 965,185,000 | 1,007,108,000 | 989,669,000 | 1,032,972,000 |
| Allowance for loan losses | 15,228,000 | 14,942,000 | 17,168,000 | 17,351,000 |
| Securities available for sale | 217,623,000 | 221,523,000 | 249,206,000 | 254,217,000 |
| Securities held to maturity | 4,744,000 | 3,592,000 | 2,300,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,122,573,000 | 1,151,333,000 | 1,177,690,000 | 1,206,424,000 |
| Interest-bearing deposits | 726,938,000 | 759,400,000 | 780,013,000 | 795,785,000 |
| Noninterest-bearing deposits | 395,634,000 | 391,933,000 | 397,677,000 | 410,639,000 |
| Equity capital | 115,463,000 | 120,409,000 | 123,202,000 | 120,241,000 |
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 | 18,549,000 | 38,016,000 | 59,353,000 | 80,980,000 |
| Interest expense | 2,154,000 | 5,017,000 | 8,576,000 | 12,573,000 |
| Net interest income | 16,395,000 | 32,999,000 | 50,777,000 | 68,407,000 |
| Noninterest income | 4,392,000 | 8,992,000 | 13,570,000 | 18,295,000 |
| Noninterest expense | 11,203,000 | 24,108,000 | 35,906,000 | 51,450,000 |
| Provision for loan losses | 900,000 | 689,000 | 2,600,000 | 4,395,000 |
| Pretax income | 8,736,000 | 17,232,000 | 25,879,000 | 30,895,000 |
| Income tax | 3,286,000 | 6,494,000 | 9,822,000 | 11,438,000 |
| Net income | 5,450,000 | 10,738,000 | 16,057,000 | 19,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,774,000 | 119,348,000 | 122,953,000 | 121,381,000 |
| Total capital | 130,731,000 | 147,073,000 | 150,622,000 | 149,590,000 |
| Risk-weighted assets | 1,196,279,000 | 1,257,150,000 | 1,251,514,000 | 1,294,978,000 |