Call reports 2002
EXCHANGE BANK — 2002
What EXCHANGE BANK 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 | 151,518,000 | 147,422,000 | 150,495,000 | 157,652,000 |
| Total loans | 92,274,000 | 87,127,000 | 94,369,000 | 98,910,000 |
| Allowance for loan losses | 1,026,000 | 1,065,000 | 1,093,000 | 1,138,000 |
| Securities available for sale | 40,422,000 | 42,363,000 | 38,336,000 | 33,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,027,000 | 119,580,000 | 122,343,000 | 129,111,000 |
| Interest-bearing deposits | 104,994,000 | 100,276,000 | 101,970,000 | 107,315,000 |
| Noninterest-bearing deposits | 19,033,000 | 19,304,000 | 20,373,000 | 21,796,000 |
| Equity capital | 15,661,000 | 16,207,000 | 16,548,000 | 16,202,000 |
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 | 2,332,000 | 4,625,000 | 6,799,000 | 8,826,000 |
| Interest expense | 917,000 | 1,780,000 | 2,587,000 | 3,367,000 |
| Net interest income | 1,415,000 | 2,845,000 | 4,212,000 | 5,459,000 |
| Noninterest income | 409,000 | 824,000 | 1,316,000 | 1,865,000 |
| Noninterest expense | 1,160,000 | 2,341,000 | 3,556,000 | 5,354,000 |
| Provision for loan losses | 68,000 | 143,000 | 218,000 | 300,000 |
| Pretax income | 564,000 | 1,159,000 | 1,745,000 | 1,661,000 |
| Income tax | 158,000 | 325,000 | 486,000 | 420,000 |
| Net income | 406,000 | 834,000 | 1,259,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,578,000 | 15,874,000 | 16,166,000 | 15,878,000 |
| Total capital | 16,604,000 | 16,939,000 | 17,259,000 | 17,016,000 |
| Risk-weighted assets | 95,683,000 | 97,379,000 | 98,225,000 | 98,913,000 |