Call reports 2004
EXCHANGE BANK OF MISSOURI — 2004
What EXCHANGE BANK OF MISSOURI 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 | 58,775,000 | 63,944,000 | 66,395,000 | 65,649,000 |
| Total loans | 38,875,000 | 44,130,000 | 51,263,000 | 50,472,000 |
| Allowance for loan losses | 262,000 | 272,000 | 284,000 | 296,000 |
| Securities available for sale | 12,441,000 | 12,177,000 | 7,231,000 | 7,163,000 |
| Securities held to maturity | 1,788,000 | 1,757,000 | 921,000 | 879,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,724,000 | 48,248,000 | 46,837,000 | 45,782,000 |
| Interest-bearing deposits | 42,773,000 | 42,713,000 | 41,499,000 | 40,960,000 |
| Noninterest-bearing deposits | 4,951,000 | 5,535,000 | 5,338,000 | 4,822,000 |
| Equity capital | 6,082,000 | 5,966,000 | 6,159,000 | 6,144,000 |
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 | 814,000 | 1,640,000 | 2,572,000 | 3,517,000 |
| Interest expense | 280,000 | 546,000 | 853,000 | 1,175,000 |
| Net interest income | 534,000 | 1,094,000 | 1,719,000 | 2,342,000 |
| Noninterest income | 59,000 | 127,000 | 198,000 | 260,000 |
| Noninterest expense | 381,000 | 781,000 | 1,215,000 | 1,735,000 |
| Provision for loan losses | 12,000 | 26,000 | 41,000 | 55,000 |
| Pretax income | 200,000 | 414,000 | 652,000 | 803,000 |
| Income tax | 58,000 | 167,000 | 257,000 | 323,000 |
| Net income | 142,000 | 247,000 | 395,000 | 480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,475,000 | 3,506,000 | 3,614,000 | 3,628,000 |
| Total capital | 3,737,000 | 3,778,000 | 3,898,000 | 3,924,000 |
| Risk-weighted assets | 36,423,000 | 40,740,000 | 46,822,000 | 46,205,000 |