Call reports 2001
EXCHANGE BANK — 2001
What EXCHANGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 145,648,000 | 142,285,000 | 145,926,000 | 148,999,000 |
| Total loans | 85,510,000 | 87,534,000 | 87,616,000 | 95,385,000 |
| Allowance for loan losses | 1,038,000 | 992,000 | 1,027,000 | 1,015,000 |
| Securities available for sale | 36,372,000 | 32,100,000 | 39,167,000 | 41,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,041,000 | 120,438,000 | 120,451,000 | 121,650,000 |
| Interest-bearing deposits | 102,402,000 | 103,134,000 | 102,215,000 | 103,074,000 |
| Noninterest-bearing deposits | 16,639,000 | 17,304,000 | 18,236,000 | 18,576,000 |
| Equity capital | 14,635,000 | 14,976,000 | 15,472,000 | 15,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,609,000 | 5,205,000 | 7,702,000 | 10,106,000 |
| Interest expense | 1,318,000 | 2,635,000 | 3,818,000 | 4,888,000 |
| Net interest income | 1,291,000 | 2,570,000 | 3,884,000 | 5,218,000 |
| Noninterest income | 301,000 | 635,000 | 1,039,000 | 1,428,000 |
| Noninterest expense | 1,126,000 | 2,273,000 | 3,399,000 | 4,512,000 |
| Provision for loan losses | 17,000 | 42,000 | 118,000 | 204,000 |
| Pretax income | 449,000 | 877,000 | 1,393,000 | 1,928,000 |
| Income tax | 120,000 | 235,000 | 372,000 | 517,000 |
| Net income | 329,000 | 642,000 | 1,021,000 | 1,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,633,000 | 14,827,000 | 15,085,000 | 15,283,000 |
| Total capital | 15,671,000 | 15,819,000 | 16,112,000 | 16,298,000 |
| Risk-weighted assets | 132,467,000 | 132,590,000 | 89,694,000 | 98,436,000 |