Call reports 2002
EXCHANGE BANK, THE — 2002
What EXCHANGE BANK, THE 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 | 46,045,000 | 44,511,000 | 44,539,000 | 46,911,000 |
| Total loans | 18,654,000 | 17,306,000 | 17,385,000 | 20,364,000 |
| Allowance for loan losses | 437,000 | 445,000 | 455,000 | 384,000 |
| Securities available for sale | 20,197,000 | 22,437,000 | 21,951,000 | 23,008,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,821,000 | 36,018,000 | 35,849,000 | 38,367,000 |
| Interest-bearing deposits | 30,458,000 | 28,961,000 | 29,737,000 | 30,423,000 |
| Noninterest-bearing deposits | 7,363,000 | 7,057,000 | 6,112,000 | 7,944,000 |
| Equity capital | 7,769,000 | 8,024,000 | 8,207,000 | 7,908,000 |
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 | 605,000 | 1,196,000 | 1,779,000 | 2,340,000 |
| Interest expense | 185,000 | 351,000 | 511,000 | 659,000 |
| Net interest income | 420,000 | 845,000 | 1,268,000 | 1,681,000 |
| Noninterest income | 88,000 | 175,000 | 303,000 | 429,000 |
| Noninterest expense | 330,000 | 665,000 | 995,000 | 1,435,000 |
| Provision for loan losses | 8,000 | 17,000 | 25,000 | 30,000 |
| Pretax income | 170,000 | 338,000 | 551,000 | 645,000 |
| Income tax | 66,000 | 104,000 | 141,000 | 184,000 |
| Net income | 104,000 | 234,000 | 410,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,673,000 | 7,803,000 | 7,979,000 | 7,730,000 |
| Total capital | 7,993,000 | 8,102,000 | 8,284,000 | 8,071,000 |
| Risk-weighted assets | 25,476,000 | 23,779,000 | 24,274,000 | 27,217,000 |