Call reports 2004
EXCHANGE BANK, THE — 2004
What EXCHANGE BANK, THE 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 | 101,041,000 | 97,864,000 | 94,545,000 | 90,659,000 |
| Total loans | 65,914,000 | 64,421,000 | 63,015,000 | 62,274,000 |
| Allowance for loan losses | 1,394,000 | 1,140,000 | 1,133,000 | 1,106,000 |
| Securities available for sale | 22,770,000 | 22,964,000 | 22,511,000 | 22,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,901,000 | 89,049,000 | 85,769,000 | 82,041,000 |
| Interest-bearing deposits | 81,646,000 | 78,558,000 | 75,387,000 | 70,104,000 |
| Noninterest-bearing deposits | 10,255,000 | 10,491,000 | 10,382,000 | 11,937,000 |
| Equity capital | 8,675,000 | 8,322,000 | 8,323,000 | 8,177,000 |
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 | 1,308,000 | 2,527,000 | 3,735,000 | 4,950,000 |
| Interest expense | 383,000 | 749,000 | 1,089,000 | 1,399,000 |
| Net interest income | 925,000 | 1,778,000 | 2,646,000 | 3,551,000 |
| Noninterest income | 103,000 | 223,000 | 331,000 | 465,000 |
| Noninterest expense | 951,000 | 1,907,000 | 2,923,000 | 3,967,000 |
| Provision for loan losses | 382,000 | 454,000 | 542,000 | 542,000 |
| Pretax income | -305,000 | -360,000 | -483,000 | -488,000 |
| Income tax | 0 | 0 | 0 | 26,000 |
| Net income | -305,000 | -360,000 | -483,000 | -514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,403,000 | 8,347,000 | 8,225,000 | 8,194,000 |
| Total capital | 9,200,000 | 9,121,000 | 8,975,000 | 8,928,000 |
| Risk-weighted assets | 63,133,000 | 61,497,000 | 59,585,000 | 58,306,000 |