Call reports 2005
EXCHANGE BANK — 2005
What EXCHANGE BANK 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 | 183,272,000 | 181,235,000 | 186,059,000 | 193,189,000 |
| Total loans | 125,892,000 | 129,353,000 | 134,781,000 | 132,902,000 |
| Allowance for loan losses | 1,692,000 | 1,683,000 | 1,716,000 | 1,749,000 |
| Securities available for sale | 38,675,000 | 37,595,000 | 36,127,000 | 36,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,384,000 | 143,788,000 | 148,008,000 | 155,681,000 |
| Interest-bearing deposits | 120,339,000 | 119,504,000 | 122,193,000 | 129,322,000 |
| Noninterest-bearing deposits | 25,045,000 | 24,284,000 | 25,815,000 | 26,359,000 |
| Equity capital | 17,838,000 | 18,503,000 | 18,942,000 | 19,267,000 |
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 | 2,382,000 | 4,986,000 | 7,767,000 | 10,727,000 |
| Interest expense | 677,000 | 1,423,000 | 2,264,000 | 3,193,000 |
| Net interest income | 1,705,000 | 3,563,000 | 5,503,000 | 7,534,000 |
| Noninterest income | 416,000 | 873,000 | 1,362,000 | 1,861,000 |
| Noninterest expense | 1,319,000 | 2,636,000 | 3,985,000 | 5,363,000 |
| Provision for loan losses | 46,000 | 51,000 | 85,000 | 135,000 |
| Pretax income | 756,000 | 1,749,000 | 2,795,000 | 3,897,000 |
| Income tax | 229,000 | 539,000 | 867,000 | 1,213,000 |
| Net income | 527,000 | 1,210,000 | 1,928,000 | 2,684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,004,000 | 18,465,000 | 19,068,000 | 19,621,000 |
| Total capital | 19,696,000 | 20,148,000 | 20,784,000 | 21,370,000 |
| Risk-weighted assets | 140,457,000 | 140,877,000 | 145,484,000 | 147,571,000 |