Call reports 2001
EXCHANGE BANK, THE — 2001
What EXCHANGE BANK, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 43,228,000 | 42,288,000 | 42,769,000 | 41,951,000 |
| Total loans | 18,729,000 | 19,146,000 | 18,447,000 | 17,530,000 |
| Allowance for loan losses | 420,000 | 440,000 | 451,000 | 429,000 |
| Securities available for sale | 16,316,000 | 16,585,000 | 18,944,000 | 21,346,000 |
| Securities held to maturity | 210,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,940,000 | 33,846,000 | 34,163,000 | 33,351,000 |
| Interest-bearing deposits | 28,030,000 | 28,107,000 | 28,876,000 | 27,390,000 |
| Noninterest-bearing deposits | 6,910,000 | 5,739,000 | 5,287,000 | 5,961,000 |
| Equity capital | 7,714,000 | 7,879,000 | 8,079,000 | 7,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,528,000 | 2,224,000 | 2,850,000 |
| Interest expense | 355,000 | 660,000 | 933,000 | 1,158,000 |
| Net interest income | 438,000 | 868,000 | 1,291,000 | 1,692,000 |
| Noninterest income | 86,000 | 168,000 | 246,000 | 330,000 |
| Noninterest expense | 296,000 | 603,000 | 920,000 | 1,361,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | 220,000 | 418,000 | 594,000 | 633,000 |
| Income tax | 75,000 | 150,000 | 225,000 | 275,000 |
| Net income | 145,000 | 268,000 | 369,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,607,000 | 7,729,000 | 7,830,000 | 7,569,000 |
| Total capital | 7,920,000 | 8,042,000 | 8,142,000 | 7,865,000 |
| Risk-weighted assets | 24,896,000 | 24,938,000 | 24,849,000 | 23,564,000 |