Call reports 2002
EXCHANGE NATIONAL BANK, THE — 2002
What EXCHANGE NATIONAL 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 | 34,570,000 | 34,588,000 | 35,329,000 | 35,442,000 |
| Total loans | 23,441,000 | 23,402,000 | 22,590,000 | 22,914,000 |
| Allowance for loan losses | 477,000 | 479,000 | 480,000 | 488,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,170,000 | 5,162,000 | 5,308,000 | 5,709,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,751,000 | 30,724,000 | 31,410,000 | 31,576,000 |
| Interest-bearing deposits | 27,681,000 | 27,462,000 | 27,986,000 | 27,997,000 |
| Noninterest-bearing deposits | 3,070,000 | 3,262,000 | 3,424,000 | 3,579,000 |
| Equity capital | 3,548,000 | 3,631,000 | 3,657,000 | 3,663,000 |
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 | 559,000 | 1,114,000 | 1,658,000 | 2,191,000 |
| Interest expense | 208,000 | 397,000 | 575,000 | 730,000 |
| Net interest income | 351,000 | 717,000 | 1,083,000 | 1,461,000 |
| Noninterest income | 44,000 | 82,000 | 122,000 | 160,000 |
| Noninterest expense | 254,000 | 506,000 | 752,000 | 1,004,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 49,000 |
| Pretax income | 138,000 | 287,000 | 444,000 | 568,000 |
| Income tax | 65,000 | 131,000 | 195,000 | 237,000 |
| Net income | 73,000 | 156,000 | 249,000 | 331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,548,000 | 3,631,000 | 3,657,000 | 3,663,000 |
| Total capital | 3,847,000 | 3,993,000 | 3,966,000 | 3,981,000 |
| Risk-weighted assets | 23,702,000 | 28,803,000 | 24,536,000 | 24,513,000 |