Call reports 2003
EXCHANGE NATIONAL BANK, THE — 2003
What EXCHANGE NATIONAL 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 | 35,802,000 | 35,260,000 | 36,597,000 | 35,492,000 |
| Total loans | 23,222,000 | 24,144,000 | 20,387,000 | 21,549,000 |
| Allowance for loan losses | 470,000 | 583,000 | 323,000 | 338,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,236,000 | 6,244,000 | 6,114,000 | 6,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,793,000 | 31,318,000 | 32,673,000 | 31,666,000 |
| Interest-bearing deposits | 28,628,000 | 27,955,000 | 28,861,000 | 27,990,000 |
| Noninterest-bearing deposits | 3,165,000 | 3,363,000 | 3,812,000 | 3,676,000 |
| Equity capital | 3,741,000 | 3,770,000 | 3,722,000 | 3,667,000 |
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 | 501,000 | 999,000 | 1,465,000 | 1,918,000 |
| Interest expense | 136,000 | 262,000 | 374,000 | 468,000 |
| Net interest income | 365,000 | 737,000 | 1,091,000 | 1,450,000 |
| Noninterest income | 40,000 | 82,000 | 119,000 | 151,000 |
| Noninterest expense | 260,000 | 527,000 | 827,000 | 1,118,000 |
| Provision for loan losses | 3,000 | 119,000 | 135,000 | 322,000 |
| Pretax income | 142,000 | 173,000 | 248,000 | 161,000 |
| Income tax | 64,000 | 66,000 | 121,000 | 44,000 |
| Net income | 78,000 | 107,000 | 127,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,741,000 | 3,770,000 | 3,722,000 | 3,667,000 |
| Total capital | 4,058,000 | 4,096,000 | 4,008,000 | 3,968,000 |
| Risk-weighted assets | 25,222,000 | 25,804,000 | 22,855,000 | 23,794,000 |