Call reports 2004
EXCHANGE BANK AND TRUST COMPANY — 2004
What EXCHANGE BANK AND TRUST COMPANY 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 | 111,525,000 | 107,263,000 | 102,509,000 | 106,169,000 |
| Total loans | 47,648,000 | 48,003,000 | 48,606,000 | 49,046,000 |
| Allowance for loan losses | 1,426,000 | 1,424,000 | 1,427,000 | 1,427,000 |
| Securities available for sale | 32,906,000 | 29,986,000 | 28,011,000 | 25,837,000 |
| Securities held to maturity | 18,766,000 | 17,659,000 | 16,866,000 | 16,132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,549,000 | 87,124,000 | 81,786,000 | 86,398,000 |
| Interest-bearing deposits | 75,208,000 | 73,091,000 | 66,778,000 | 69,756,000 |
| Noninterest-bearing deposits | 19,341,000 | 14,033,000 | 15,008,000 | 16,642,000 |
| Equity capital | 15,456,000 | 14,789,000 | 15,349,000 | 15,293,000 |
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 | 1,272,000 | 2,550,000 | 3,833,000 | 5,104,000 |
| Interest expense | 190,000 | 379,000 | 580,000 | 776,000 |
| Net interest income | 1,082,000 | 2,171,000 | 3,253,000 | 4,328,000 |
| Noninterest income | 270,000 | 499,000 | 771,000 | 1,025,000 |
| Noninterest expense | 1,005,000 | 2,015,000 | 3,095,000 | 4,161,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 347,000 | 655,000 | 929,000 | 1,192,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 347,000 | 655,000 | 929,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,012,000 | 10,224,000 | 10,403,000 | 10,571,000 |
| Total capital | 10,671,000 | 10,876,000 | 11,023,000 | 11,207,000 |
| Risk-weighted assets | 51,981,000 | 51,410,000 | 48,825,000 | 49,588,000 |