Call reports 2004
EXCHANGE BANK — 2004
What EXCHANGE BANK 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 | 21,222,000 | 20,949,000 | 19,612,000 | 20,048,000 |
| Total loans | 8,129,000 | 7,647,000 | 7,737,000 | 8,428,000 |
| Allowance for loan losses | 400,000 | 357,000 | 357,000 | 357,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,796,000 | 8,326,000 | 8,563,000 | 8,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,755,000 | 17,555,000 | 16,125,000 | 16,631,000 |
| Interest-bearing deposits | 14,669,000 | 14,539,000 | 12,989,000 | 12,959,000 |
| Noninterest-bearing deposits | 3,086,000 | 3,016,000 | 3,136,000 | 3,672,000 |
| Equity capital | 3,450,000 | 3,376,000 | 3,469,000 | 3,398,000 |
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 | 245,000 | 454,000 | 654,000 | 893,000 |
| Interest expense | 27,000 | 55,000 | 82,000 | 112,000 |
| Net interest income | 218,000 | 399,000 | 572,000 | 781,000 |
| Noninterest income | 13,000 | 28,000 | 41,000 | 56,000 |
| Noninterest expense | 126,000 | 245,000 | 337,000 | 531,000 |
| Provision for loan losses | -9,000 | -12,000 | -12,000 | -13,000 |
| Pretax income | 114,000 | 194,000 | 288,000 | 319,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 194,000 | 288,000 | 319,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,450,000 | 3,376,000 | 3,469,000 | 3,398,000 |
| Total capital | 3,587,000 | 3,507,000 | 3,597,000 | 3,535,000 |
| Risk-weighted assets | 10,661,000 | 10,272,000 | 10,010,000 | 10,716,000 |