Call reports 2005
EXCHANGE BANK, THE — 2005
What EXCHANGE BANK, THE 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 | 54,477,000 | 57,359,000 | 57,514,000 | 57,102,000 |
| Total loans | 20,247,000 | 20,509,000 | 22,152,000 | 22,419,000 |
| Allowance for loan losses | 408,000 | 418,000 | 426,000 | 381,000 |
| Securities available for sale | 30,131,000 | 31,600,000 | 31,629,000 | 31,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,178,000 | 48,841,000 | 47,786,000 | 48,484,000 |
| Interest-bearing deposits | 34,659,000 | 38,921,000 | 37,085,000 | 38,213,000 |
| Noninterest-bearing deposits | 11,519,000 | 9,920,000 | 10,701,000 | 10,271,000 |
| Equity capital | 7,832,000 | 8,007,000 | 8,150,000 | 7,751,000 |
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 | 581,000 | 1,202,000 | 1,885,000 | 2,575,000 |
| Interest expense | 120,000 | 274,000 | 455,000 | 653,000 |
| Net interest income | 461,000 | 928,000 | 1,430,000 | 1,922,000 |
| Noninterest income | 106,000 | 203,000 | 309,000 | 426,000 |
| Noninterest expense | 347,000 | 722,000 | 1,081,000 | 1,517,000 |
| Provision for loan losses | 8,000 | 15,000 | 30,000 | 44,000 |
| Pretax income | 212,000 | 394,000 | 628,000 | 787,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 248,000 |
| Net income | 152,000 | 274,000 | 448,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,145,000 | 8,267,000 | 8,441,000 | 8,157,000 |
| Total capital | 8,502,000 | 8,634,000 | 8,827,000 | 8,538,000 |
| Risk-weighted assets | 28,519,000 | 29,319,000 | 30,859,000 | 31,116,000 |