Call reports 2004
EXCHANGE BANK — 2004
What EXCHANGE BANK 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 | 162,924,000 | 171,077,000 | 170,671,000 | 171,586,000 |
| Total loans | 103,546,000 | 108,468,000 | 112,788,000 | 118,908,000 |
| Allowance for loan losses | 1,265,000 | 1,263,000 | 1,277,000 | 1,338,000 |
| Securities available for sale | 34,217,000 | 46,379,000 | 42,552,000 | 40,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,424,000 | 133,501,000 | 133,187,000 | 133,912,000 |
| Interest-bearing deposits | 110,141,000 | 110,394,000 | 110,609,000 | 111,929,000 |
| Noninterest-bearing deposits | 24,283,000 | 23,107,000 | 22,578,000 | 21,983,000 |
| Equity capital | 17,201,000 | 16,815,000 | 17,672,000 | 17,818,000 |
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 | 1,847,000 | 3,765,000 | 5,945,000 | 8,227,000 |
| Interest expense | 587,000 | 1,169,000 | 1,825,000 | 2,479,000 |
| Net interest income | 1,260,000 | 2,596,000 | 4,120,000 | 5,748,000 |
| Noninterest income | 384,000 | 812,000 | 1,230,000 | 1,671,000 |
| Noninterest expense | 1,151,000 | 2,435,000 | 3,687,000 | 5,029,000 |
| Provision for loan losses | 3,000 | 3,000 | 49,000 | 100,000 |
| Pretax income | 491,000 | 971,000 | 1,636,000 | 2,315,000 |
| Income tax | 138,000 | 272,000 | 468,000 | 671,000 |
| Net income | 353,000 | 699,000 | 1,168,000 | 1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,936,000 | 17,126,000 | 17,423,000 | 17,626,000 |
| Total capital | 18,201,000 | 18,389,000 | 18,700,000 | 18,964,000 |
| Risk-weighted assets | 118,070,000 | 125,786,000 | 128,769,000 | 133,678,000 |