Call reports 2003
EXCHANGE BANK, THE — 2003
What EXCHANGE BANK, THE 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 | 44,696,000 | 45,259,000 | 46,266,000 | 46,922,000 |
| Total loans | 18,694,000 | 19,335,000 | 18,630,000 | 19,916,000 |
| Allowance for loan losses | 418,000 | 434,000 | 442,000 | 386,000 |
| Securities available for sale | 18,606,000 | 19,711,000 | 22,658,000 | 25,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,285,000 | 36,731,000 | 37,708,000 | 38,488,000 |
| Interest-bearing deposits | 30,010,000 | 29,879,000 | 31,418,000 | 30,608,000 |
| Noninterest-bearing deposits | 6,275,000 | 6,852,000 | 6,290,000 | 7,880,000 |
| Equity capital | 8,020,000 | 8,052,000 | 8,030,000 | 7,839,000 |
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 | 517,000 | 998,000 | 1,477,000 | 1,953,000 |
| Interest expense | 127,000 | 247,000 | 355,000 | 459,000 |
| Net interest income | 390,000 | 751,000 | 1,122,000 | 1,494,000 |
| Noninterest income | 122,000 | 254,000 | 387,000 | 522,000 |
| Noninterest expense | 324,000 | 715,000 | 1,061,000 | 1,488,000 |
| Provision for loan losses | 5,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | 183,000 | 275,000 | 425,000 | 500,000 |
| Income tax | 40,000 | 120,000 | 160,000 | 160,000 |
| Net income | 143,000 | 155,000 | 265,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,873,000 | 7,885,000 | 7,995,000 | 7,820,000 |
| Total capital | 8,198,000 | 8,218,000 | 8,313,000 | 8,153,000 |
| Risk-weighted assets | 25,915,000 | 26,537,000 | 25,326,000 | 26,617,000 |