Call reports 2005
EXCHANGE NATIONAL BANK, THE — 2005
What EXCHANGE NATIONAL 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 | 35,449,000 | 33,998,000 | 33,970,000 | 32,241,000 |
| Total loans | 21,671,000 | 21,981,000 | 18,481,000 | 18,704,000 |
| Allowance for loan losses | 407,000 | 400,000 | 375,000 | 402,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,130,000 | 8,127,000 | 9,028,000 | 9,809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,384,000 | 29,739,000 | 29,855,000 | 28,145,000 |
| Interest-bearing deposits | 26,895,000 | 26,164,000 | 25,345,000 | 23,720,000 |
| Noninterest-bearing deposits | 4,489,000 | 3,575,000 | 4,510,000 | 4,425,000 |
| Equity capital | 3,813,000 | 3,854,000 | 3,884,000 | 3,891,000 |
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 | 444,000 | 913,000 | 1,377,000 | 1,835,000 |
| Interest expense | 88,000 | 184,000 | 290,000 | 399,000 |
| Net interest income | 356,000 | 729,000 | 1,087,000 | 1,436,000 |
| Noninterest income | 34,000 | 62,000 | 85,000 | 102,000 |
| Noninterest expense | 253,000 | 541,000 | 829,000 | 1,097,000 |
| Provision for loan losses | 113,000 | 169,000 | 184,000 | 216,000 |
| Pretax income | 24,000 | 81,000 | 159,000 | 225,000 |
| Income tax | 13,000 | 29,000 | 54,000 | 79,000 |
| Net income | 11,000 | 52,000 | 105,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,813,000 | 3,854,000 | 3,884,000 | 3,891,000 |
| Total capital | 4,111,000 | 4,150,000 | 4,148,000 | 4,154,000 |
| Risk-weighted assets | 23,083,000 | 22,894,000 | 20,385,000 | 20,306,000 |