Call reports 2003
EXCHANGE BANK OF MISSOURI — 2003
What EXCHANGE BANK OF MISSOURI 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 | 43,423,000 | 43,305,000 | 45,987,000 | 57,248,000 |
| Total loans | 30,766,000 | 31,452,000 | 34,629,000 | 35,856,000 |
| Allowance for loan losses | 216,000 | 243,000 | 244,000 | 286,000 |
| Securities available for sale | 4,248,000 | 4,960,000 | 5,390,000 | 13,638,000 |
| Securities held to maturity | 1,203,000 | 1,203,000 | 1,201,000 | 1,963,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,181,000 | 32,081,000 | 33,228,000 | 46,840,000 |
| Interest-bearing deposits | 29,186,000 | 28,704,000 | 30,118,000 | 42,525,000 |
| Noninterest-bearing deposits | 2,995,000 | 3,377,000 | 3,110,000 | 4,315,000 |
| Equity capital | 5,650,000 | 5,661,000 | 5,695,000 | 5,932,000 |
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 | 674,000 | 1,312,000 | 1,993,000 | 2,692,000 |
| Interest expense | 236,000 | 457,000 | 677,000 | 906,000 |
| Net interest income | 438,000 | 855,000 | 1,316,000 | 1,786,000 |
| Noninterest income | 40,000 | 83,000 | 136,000 | 197,000 |
| Noninterest expense | 270,000 | 553,000 | 848,000 | 1,177,000 |
| Provision for loan losses | 11,000 | 25,000 | 38,000 | 52,000 |
| Pretax income | 197,000 | 360,000 | 566,000 | 754,000 |
| Income tax | 47,000 | 124,000 | 196,000 | 261,000 |
| Net income | 150,000 | 236,000 | 370,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,796,000 | 3,803,000 | 3,864,000 | 3,374,000 |
| Total capital | 4,012,000 | 4,046,000 | 4,108,000 | 3,660,000 |
| Risk-weighted assets | 27,854,000 | 29,120,000 | 31,619,000 | 34,673,000 |