Call reports 2005
EXCHANGE BANK OF MISSOURI — 2005
What EXCHANGE BANK OF MISSOURI 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 | 65,993,000 | 63,300,000 | 62,963,000 | 59,874,000 |
| Total loans | 49,998,000 | 48,578,000 | 46,758,000 | 45,045,000 |
| Allowance for loan losses | 506,000 | 485,000 | 485,000 | 1,431,000 |
| Securities available for sale | 7,098,000 | 7,150,000 | 7,115,000 | 7,091,000 |
| Securities held to maturity | 832,000 | 779,000 | 721,000 | 658,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,659,000 | 42,314,000 | 41,027,000 | 44,144,000 |
| Interest-bearing deposits | 39,692,000 | 37,399,000 | 35,401,000 | 38,374,000 |
| Noninterest-bearing deposits | 4,967,000 | 4,915,000 | 5,626,000 | 5,770,000 |
| Equity capital | 7,001,000 | 7,149,000 | 7,236,000 | 6,190,000 |
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 | 908,000 | 1,810,000 | 2,735,000 | 3,576,000 |
| Interest expense | 308,000 | 655,000 | 1,017,000 | 1,399,000 |
| Net interest income | 600,000 | 1,155,000 | 1,718,000 | 2,177,000 |
| Noninterest income | 73,000 | 146,000 | 205,000 | 270,000 |
| Noninterest expense | 493,000 | 929,000 | 1,393,000 | 1,823,000 |
| Provision for loan losses | 209,000 | 223,000 | 237,000 | 1,838,000 |
| Pretax income | -29,000 | 149,000 | 293,000 | -1,214,000 |
| Income tax | 54,000 | 116,000 | 151,000 | -75,000 |
| Net income | -83,000 | 33,000 | 142,000 | -1,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,538,000 | 4,650,000 | 4,774,000 | 3,759,000 |
| Total capital | 5,044,000 | 5,135,000 | 5,259,000 | 4,279,000 |
| Risk-weighted assets | 46,025,000 | 44,439,000 | 43,291,000 | 40,689,000 |