Call reports 2004
EXCHANGE NATIONAL BANK OF MOORE — 2004
What EXCHANGE NATIONAL BANK OF MOORE 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 | 77,776,000 | 76,440,000 | 76,307,000 | 77,068,000 |
| Total loans | 40,617,000 | 40,771,000 | 42,999,000 | 42,506,000 |
| Allowance for loan losses | 609,000 | 641,000 | 636,000 | 636,000 |
| Securities available for sale | 31,210,000 | 28,914,000 | 26,962,000 | 26,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,630,000 | 55,009,000 | 55,618,000 | 58,001,000 |
| Interest-bearing deposits | 38,041,000 | 38,622,000 | 39,348,000 | 40,723,000 |
| Noninterest-bearing deposits | 16,589,000 | 16,387,000 | 16,270,000 | 17,278,000 |
| Equity capital | 6,165,000 | 5,398,000 | 6,053,000 | 6,016,000 |
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 | 1,059,000 | 2,145,000 | 3,204,000 | 4,287,000 |
| Interest expense | 190,000 | 389,000 | 594,000 | 801,000 |
| Net interest income | 869,000 | 1,756,000 | 2,610,000 | 3,486,000 |
| Noninterest income | 253,000 | 495,000 | 765,000 | 1,020,000 |
| Noninterest expense | 719,000 | 1,419,000 | 2,171,000 | 2,929,000 |
| Provision for loan losses | 72,000 | 132,000 | 162,000 | 162,000 |
| Pretax income | 424,000 | 793,000 | 1,086,000 | 1,459,000 |
| Income tax | 158,000 | 275,000 | 394,000 | 434,000 |
| Net income | 266,000 | 518,000 | 692,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,856,000 | 5,808,000 | 5,981,000 | 6,015,000 |
| Total capital | 6,458,000 | 6,404,000 | 6,602,000 | 6,634,000 |
| Risk-weighted assets | 47,403,000 | 47,607,000 | 49,702,000 | 49,526,000 |