Call reports 2003
EXCHANGE BANK — 2003
What EXCHANGE BANK 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 | 164,378,000 | 163,580,000 | 157,272,000 | 157,058,000 |
| Total loans | 104,338,000 | 110,710,000 | 106,526,000 | 103,080,000 |
| Allowance for loan losses | 1,202,000 | 1,228,000 | 1,241,000 | 1,254,000 |
| Securities available for sale | 33,728,000 | 34,248,000 | 28,551,000 | 34,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,675,000 | 135,284,000 | 128,866,000 | 128,654,000 |
| Interest-bearing deposits | 111,875,000 | 110,174,000 | 107,896,000 | 109,400,000 |
| Noninterest-bearing deposits | 23,800,000 | 25,110,000 | 20,970,000 | 19,254,000 |
| Equity capital | 16,422,000 | 16,855,000 | 16,923,000 | 16,950,000 |
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 | 1,965,000 | 3,963,000 | 5,916,000 | 7,773,000 |
| Interest expense | 721,000 | 1,393,000 | 2,014,000 | 2,616,000 |
| Net interest income | 1,244,000 | 2,570,000 | 3,902,000 | 5,157,000 |
| Noninterest income | 618,000 | 1,357,000 | 1,966,000 | 2,255,000 |
| Noninterest expense | 1,244,000 | 2,500,000 | 3,789,000 | 5,107,000 |
| Provision for loan losses | 54,000 | 108,000 | 144,000 | 162,000 |
| Pretax income | 564,000 | 1,319,000 | 1,935,000 | 2,143,000 |
| Income tax | 161,000 | 388,000 | 567,000 | 609,000 |
| Net income | 403,000 | 931,000 | 1,368,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,147,000 | 16,513,000 | 16,787,000 | 16,763,000 |
| Total capital | 17,349,000 | 17,741,000 | 18,028,000 | 18,017,000 |
| Risk-weighted assets | 110,211,000 | 110,616,000 | 113,811,000 | 112,630,000 |