Call reports 2005
EXCHANGE BANK AND TRUST COMPANY — 2005
What EXCHANGE BANK AND TRUST COMPANY 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 | 103,747,000 | 102,546,000 | 97,888,000 | 93,070,000 |
| Total loans | 51,942,000 | 52,471,000 | 51,631,000 | 49,608,000 |
| Allowance for loan losses | 1,428,000 | 933,000 | 948,000 | 945,000 |
| Securities available for sale | 24,640,000 | 23,302,000 | 19,370,000 | 19,772,000 |
| Securities held to maturity | 15,415,000 | 14,686,000 | 14,003,000 | 13,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,723,000 | 87,228,000 | 82,851,000 | 78,254,000 |
| Interest-bearing deposits | 70,582,000 | 72,536,000 | 64,927,000 | 59,536,000 |
| Noninterest-bearing deposits | 16,141,000 | 14,692,000 | 17,924,000 | 18,718,000 |
| Equity capital | 15,116,000 | 13,334,000 | 13,268,000 | 13,455,000 |
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 | 1,415,000 | 2,796,000 | 4,112,000 | 5,410,000 |
| Interest expense | 238,000 | 456,000 | 688,000 | 929,000 |
| Net interest income | 1,177,000 | 2,340,000 | 3,424,000 | 4,481,000 |
| Noninterest income | 253,000 | 507,000 | 741,000 | 939,000 |
| Noninterest expense | 1,121,000 | 2,272,000 | 3,495,000 | 4,430,000 |
| Provision for loan losses | 0 | -500,000 | -500,000 | 0 |
| Pretax income | 309,000 | 1,075,000 | 1,269,000 | 1,093,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 309,000 | 1,075,000 | 1,269,000 | 1,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,785,000 | 8,856,000 | 9,153,000 | 9,584,000 |
| Total capital | 11,430,000 | 9,504,000 | 9,740,000 | 10,223,000 |
| Risk-weighted assets | 50,835,000 | 51,554,000 | 49,792,000 | 53,143,000 |