Call reports 2002
EXCHANGE BANK — 2002
What EXCHANGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 21,669,000 | 19,815,000 | 20,329,000 | 20,677,000 |
| Total loans | 9,683,000 | 8,968,000 | 10,267,000 | 10,137,000 |
| Allowance for loan losses | 384,000 | 384,000 | 384,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,186,000 | 7,394,000 | 7,318,000 | 7,571,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,907,000 | 16,401,000 | 16,966,000 | 17,316,000 |
| Interest-bearing deposits | 14,930,000 | 13,581,000 | 14,194,000 | 13,880,000 |
| Noninterest-bearing deposits | 2,977,000 | 2,820,000 | 2,772,000 | 3,436,000 |
| Equity capital | 3,523,000 | 3,367,000 | 3,309,000 | 3,302,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 589,000 | 821,000 | 1,131,000 |
| Interest expense | 84,000 | 167,000 | 247,000 | 309,000 |
| Net interest income | 210,000 | 422,000 | 574,000 | 822,000 |
| Noninterest income | 14,000 | 36,000 | 52,000 | 60,000 |
| Noninterest expense | 120,000 | 210,000 | 301,000 | 487,000 |
| Provision for loan losses | 0 | 0 | 0 | 77,000 |
| Pretax income | 104,000 | 248,000 | 325,000 | 318,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 104,000 | 248,000 | 325,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,523,000 | 3,367,000 | 3,309,000 | 3,302,000 |
| Total capital | 3,717,000 | 3,508,000 | 3,465,000 | 3,458,000 |
| Risk-weighted assets | 15,361,000 | 11,072,000 | 12,214,000 | 12,243,000 |