Call reports 2004
EXCHANGE BANK, THE — 2004
What EXCHANGE BANK, THE 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 | 47,159,000 | 50,685,000 | 52,554,000 | 53,040,000 |
| Total loans | 18,958,000 | 18,406,000 | 20,313,000 | 20,198,000 |
| Allowance for loan losses | 398,000 | 403,000 | 413,000 | 371,000 |
| Securities available for sale | 23,215,000 | 27,329,000 | 25,468,000 | 29,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,649,000 | 42,457,000 | 43,821,000 | 44,442,000 |
| Interest-bearing deposits | 31,484,000 | 34,073,000 | 34,432,000 | 34,254,000 |
| Noninterest-bearing deposits | 7,165,000 | 8,384,000 | 9,389,000 | 10,188,000 |
| Equity capital | 8,053,000 | 7,733,000 | 8,208,000 | 7,916,000 |
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 | 498,000 | 982,000 | 1,505,000 | 2,066,000 |
| Interest expense | 107,000 | 200,000 | 299,000 | 408,000 |
| Net interest income | 391,000 | 782,000 | 1,206,000 | 1,658,000 |
| Noninterest income | 126,000 | 255,000 | 379,000 | 487,000 |
| Noninterest expense | 345,000 | 705,000 | 1,043,000 | 1,494,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | 164,000 | 317,000 | 519,000 | 623,000 |
| Income tax | 60,000 | 90,000 | 120,000 | 200,000 |
| Net income | 104,000 | 227,000 | 399,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,924,000 | 8,047,000 | 8,218,000 | 7,993,000 |
| Total capital | 8,253,000 | 8,384,000 | 8,573,000 | 8,344,000 |
| Risk-weighted assets | 26,289,000 | 26,873,000 | 28,349,000 | 28,087,000 |