Call reports 2001
EXCHANGE BANK, THE — 2001
What EXCHANGE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 106,569,000 | 108,163,000 | 110,805,000 | 106,413,000 |
| Total loans | 78,593,000 | 77,382,000 | 78,665,000 | 81,182,000 |
| Allowance for loan losses | 811,000 | 801,000 | 790,000 | 844,000 |
| Securities available for sale | 14,470,000 | 13,022,000 | 13,776,000 | 14,190,000 |
| Securities held to maturity | 100,000 | 100,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,156,000 | 97,582,000 | 99,853,000 | 95,491,000 |
| Interest-bearing deposits | 86,711,000 | 87,777,000 | 89,207,000 | 84,463,000 |
| Noninterest-bearing deposits | 9,445,000 | 9,805,000 | 10,646,000 | 11,028,000 |
| Equity capital | 9,866,000 | 9,931,000 | 10,177,000 | 10,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,103,000 | 4,219,000 | 6,260,000 | 8,286,000 |
| Interest expense | 1,051,000 | 2,125,000 | 3,175,000 | 4,086,000 |
| Net interest income | 1,052,000 | 2,094,000 | 3,085,000 | 4,200,000 |
| Noninterest income | 129,000 | 283,000 | 465,000 | 680,000 |
| Noninterest expense | 973,000 | 1,958,000 | 2,929,000 | 3,907,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 193,000 | 404,000 | 606,000 | 958,000 |
| Income tax | 60,000 | 125,000 | 180,000 | 292,000 |
| Net income | 133,000 | 279,000 | 426,000 | 666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,643,000 | 9,602,000 | 9,752,000 | 9,792,000 |
| Total capital | 10,454,000 | 10,403,000 | 10,542,000 | 10,636,000 |
| Risk-weighted assets | 71,035,000 | 72,080,000 | 73,927,000 | 75,872,000 |