Call reports 2005
EXCHANGE BANK, THE — 2005
What EXCHANGE BANK, THE 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 | 87,118,000 | 85,170,000 | 82,156,000 | 79,697,000 |
| Total loans | 60,283,000 | 60,397,000 | 58,265,000 | 58,126,000 |
| Allowance for loan losses | 1,132,000 | 1,130,000 | 1,200,000 | 1,355,000 |
| Securities available for sale | 19,036,000 | 18,605,000 | 17,669,000 | 15,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,782,000 | 75,370,000 | 71,119,000 | 68,628,000 |
| Interest-bearing deposits | 65,283,000 | 62,775,000 | 58,706,000 | 55,699,000 |
| Noninterest-bearing deposits | 13,499,000 | 12,595,000 | 12,413,000 | 12,929,000 |
| Equity capital | 7,925,000 | 7,966,000 | 7,889,000 | 6,742,000 |
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 | 1,127,000 | 2,256,000 | 3,409,000 | 4,552,000 |
| Interest expense | 270,000 | 543,000 | 820,000 | 1,119,000 |
| Net interest income | 857,000 | 1,713,000 | 2,589,000 | 3,433,000 |
| Noninterest income | 120,000 | 252,000 | 385,000 | 336,000 |
| Noninterest expense | 982,000 | 1,939,000 | 2,830,000 | 4,381,000 |
| Provision for loan losses | 99,000 | 213,000 | 369,000 | 711,000 |
| Pretax income | -103,000 | -186,000 | -224,000 | -1,322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -103,000 | -186,000 | -224,000 | -1,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,091,000 | 8,008,000 | 7,970,000 | 6,955,000 |
| Total capital | 8,798,000 | 8,709,000 | 8,649,000 | 7,648,000 |
| Risk-weighted assets | 56,062,000 | 55,590,000 | 53,753,000 | 54,805,000 |