Call reports 2005
EXCHANGE BANK — 2005
What EXCHANGE BANK 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 | 21,154,000 | 20,481,000 | 20,084,000 | 19,884,000 |
| Total loans | 8,011,000 | 8,310,000 | 8,217,000 | 8,236,000 |
| Allowance for loan losses | 357,000 | 357,000 | 357,000 | 357,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,119,000 | 9,155,000 | 9,103,000 | 9,050,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,641,000 | 17,055,000 | 16,667,000 | 16,439,000 |
| Interest-bearing deposits | 14,190,000 | 13,983,000 | 13,123,000 | 12,622,000 |
| Noninterest-bearing deposits | 3,451,000 | 3,072,000 | 3,544,000 | 3,818,000 |
| Equity capital | 3,489,000 | 3,395,000 | 3,375,000 | 3,397,000 |
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 | 224,000 | 457,000 | 689,000 | 935,000 |
| Interest expense | 36,000 | 81,000 | 129,000 | 185,000 |
| Net interest income | 188,000 | 376,000 | 560,000 | 750,000 |
| Noninterest income | 13,000 | 28,000 | 45,000 | 60,000 |
| Noninterest expense | 111,000 | 253,000 | 371,000 | 554,000 |
| Provision for loan losses | -1,000 | -1,000 | -1,000 | -1,000 |
| Pretax income | 91,000 | 152,000 | 235,000 | 257,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 91,000 | 152,000 | 235,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,489,000 | 3,395,000 | 3,375,000 | 3,397,000 |
| Total capital | 3,620,000 | 3,526,000 | 3,505,000 | 3,512,000 |
| Risk-weighted assets | 10,555,000 | 10,691,000 | 10,469,000 | 10,539,000 |