Call reports 2003
EXCHANGE BANK — 2003
What EXCHANGE BANK 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 | 21,835,000 | 20,095,000 | 20,909,000 | 19,987,000 |
| Total loans | 10,218,000 | 9,490,000 | 10,417,000 | 8,825,000 |
| Allowance for loan losses | 400,000 | 400,000 | 400,000 | 400,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,760,000 | 7,609,000 | 7,638,000 | 7,724,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,392,000 | 16,773,000 | 17,444,000 | 16,497,000 |
| Interest-bearing deposits | 15,197,000 | 13,695,000 | 14,422,000 | 13,241,000 |
| Noninterest-bearing deposits | 3,195,000 | 3,078,000 | 3,022,000 | 3,256,000 |
| Equity capital | 3,402,000 | 3,298,000 | 3,439,000 | 3,470,000 |
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 | 262,000 | 516,000 | 751,000 | 1,004,000 |
| Interest expense | 55,000 | 106,000 | 143,000 | 182,000 |
| Net interest income | 207,000 | 410,000 | 608,000 | 822,000 |
| Noninterest income | 13,000 | 27,000 | 46,000 | 61,000 |
| Noninterest expense | 120,000 | 256,000 | 332,000 | 530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 181,000 | 322,000 | 353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 100,000 | 181,000 | 322,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,402,000 | 3,298,000 | 3,439,000 | 3,470,000 |
| Total capital | 3,562,000 | 3,442,000 | 3,598,000 | 3,612,000 |
| Risk-weighted assets | 12,594,000 | 11,605,000 | 12,518,000 | 11,073,000 |