Call reports 2003
EXCHANGE BANK AND TRUST COMPANY — 2003
What EXCHANGE BANK AND TRUST COMPANY 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 | 108,401,000 | 109,287,000 | 104,184,000 | 106,169,000 |
| Total loans | 46,859,000 | 45,221,000 | 40,263,000 | 41,906,000 |
| Allowance for loan losses | 1,438,000 | 1,418,000 | 1,431,000 | 1,431,000 |
| Securities available for sale | 24,336,000 | 27,940,000 | 28,291,000 | 33,259,000 |
| Securities held to maturity | 22,661,000 | 20,469,000 | 22,613,000 | 19,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,715,000 | 92,538,000 | 87,893,000 | 89,738,000 |
| Interest-bearing deposits | 76,856,000 | 78,769,000 | 73,807,000 | 74,021,000 |
| Noninterest-bearing deposits | 14,859,000 | 13,769,000 | 14,086,000 | 15,717,000 |
| Equity capital | 14,894,000 | 15,230,000 | 15,030,000 | 15,214,000 |
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 | 1,396,000 | 2,768,000 | 4,043,000 | 5,262,000 |
| Interest expense | 311,000 | 601,000 | 845,000 | 1,054,000 |
| Net interest income | 1,085,000 | 2,167,000 | 3,198,000 | 4,208,000 |
| Noninterest income | 165,000 | 362,000 | 587,000 | 894,000 |
| Noninterest expense | 1,008,000 | 2,008,000 | 2,983,000 | 4,037,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 242,000 | 521,000 | 802,000 | 1,065,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 242,000 | 521,000 | 802,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,222,000 | 9,407,000 | 9,592,000 | 9,760,000 |
| Total capital | 9,878,000 | 10,250,000 | 10,329,000 | 10,367,000 |
| Risk-weighted assets | 51,592,000 | 66,834,000 | 58,230,000 | 47,720,000 |