Call reports 2002
EXCHANGE BANK AND TRUST COMPANY — 2002
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 111,751,000 | 110,933,000 | 104,374,000 | 105,226,000 |
| Total loans | 50,362,000 | 50,093,000 | 49,027,000 | 45,926,000 |
| Allowance for loan losses | 1,405,000 | 1,432,000 | 1,417,000 | 1,440,000 |
| Securities available for sale | 15,013,000 | 14,599,000 | 11,760,000 | 20,237,000 |
| Securities held to maturity | 27,725,000 | 31,987,000 | 28,300,000 | 26,503,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,719,000 | 95,057,000 | 86,676,000 | 86,797,000 |
| Interest-bearing deposits | 81,610,000 | 80,182,000 | 72,378,000 | 72,394,000 |
| Noninterest-bearing deposits | 14,109,000 | 14,875,000 | 14,298,000 | 14,403,000 |
| Equity capital | 14,215,000 | 14,462,000 | 14,935,000 | 14,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,590,000 | 3,159,000 | 4,667,000 | 6,123,000 |
| Interest expense | 489,000 | 935,000 | 1,334,000 | 1,683,000 |
| Net interest income | 1,101,000 | 2,224,000 | 3,333,000 | 4,440,000 |
| Noninterest income | 175,000 | 351,000 | 454,000 | 632,000 |
| Noninterest expense | 928,000 | 1,954,000 | 2,950,000 | 3,973,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 348,000 | 621,000 | 908,000 | 1,170,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 348,000 | 621,000 | 908,000 | 1,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,538,000 | 8,716,000 | 8,909,000 | 9,076,000 |
| Total capital | 9,205,000 | 9,391,000 | 9,577,000 | 9,709,000 |
| Risk-weighted assets | 52,644,000 | 53,188,000 | 52,668,000 | 49,848,000 |