Call reports 2004
EXCHANGE NATIONAL BANK, THE — 2004
What EXCHANGE NATIONAL 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 | 36,471,000 | 35,844,000 | 35,907,000 | 35,886,000 |
| Total loans | 21,247,000 | 21,861,000 | 19,639,000 | 21,735,000 |
| Allowance for loan losses | 353,000 | 453,000 | 486,000 | 481,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,455,000 | 6,439,000 | 6,853,000 | 6,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,570,000 | 31,833,000 | 31,839,000 | 31,839,000 |
| Interest-bearing deposits | 28,882,000 | 28,071,000 | 27,522,000 | 27,227,000 |
| Noninterest-bearing deposits | 3,688,000 | 3,762,000 | 4,317,000 | 4,612,000 |
| Equity capital | 3,705,000 | 3,765,000 | 3,774,000 | 3,802,000 |
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 | 445,000 | 890,000 | 1,319,000 | 1,763,000 |
| Interest expense | 90,000 | 177,000 | 262,000 | 349,000 |
| Net interest income | 355,000 | 713,000 | 1,057,000 | 1,414,000 |
| Noninterest income | 36,000 | 70,000 | 100,000 | 130,000 |
| Noninterest expense | 285,000 | 548,000 | 818,000 | 1,051,000 |
| Provision for loan losses | 15,000 | 107,000 | 148,000 | 209,000 |
| Pretax income | 91,000 | 128,000 | 191,000 | 284,000 |
| Income tax | 53,000 | 30,000 | 46,000 | 63,000 |
| Net income | 38,000 | 98,000 | 145,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,705,000 | 3,765,000 | 3,774,000 | 3,802,000 |
| Total capital | 3,998,000 | 4,059,000 | 4,047,000 | 4,096,000 |
| Risk-weighted assets | 22,703,000 | 23,340,000 | 21,608,000 | 22,668,000 |