Call reports 2003
EXCHANGE BANK, THE — 2003
What EXCHANGE BANK, THE 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 | 108,361,000 | 106,408,000 | 105,274,000 | 101,696,000 |
| Total loans | 68,903,000 | 67,735,000 | 71,112,000 | 68,555,000 |
| Allowance for loan losses | 1,303,000 | 1,290,000 | 1,245,000 | 1,395,000 |
| Securities available for sale | 17,049,000 | 23,233,000 | 22,724,000 | 22,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,806,000 | 96,853,000 | 95,713,000 | 92,301,000 |
| Interest-bearing deposits | 87,125,000 | 85,168,000 | 84,847,000 | 81,811,000 |
| Noninterest-bearing deposits | 11,681,000 | 11,685,000 | 10,866,000 | 10,490,000 |
| Equity capital | 9,039,000 | 9,070,000 | 9,053,000 | 8,898,000 |
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 | 1,545,000 | 3,018,000 | 4,516,000 | 5,880,000 |
| Interest expense | 554,000 | 1,067,000 | 1,541,000 | 1,965,000 |
| Net interest income | 991,000 | 1,951,000 | 2,975,000 | 3,915,000 |
| Noninterest income | 171,000 | 367,000 | 510,000 | 569,000 |
| Noninterest expense | 943,000 | 1,901,000 | 2,921,000 | 3,838,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 250,000 |
| Pretax income | 219,000 | 417,000 | 573,000 | 425,000 |
| Income tax | 68,000 | 128,000 | 175,000 | 132,000 |
| Net income | 151,000 | 289,000 | 398,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,716,000 | 8,704,000 | 8,813,000 | 8,708,000 |
| Total capital | 9,614,000 | 9,571,000 | 9,691,000 | 9,538,000 |
| Risk-weighted assets | 71,437,000 | 68,928,000 | 69,883,000 | 65,811,000 |