Call reports 2006
EXCHANGE BANK & TRUST — 2006
What EXCHANGE BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 161,614,000 | 158,768,000 | 156,070,000 | 161,951,000 |
| Total loans | 121,396,000 | 122,233,000 | 123,249,000 | 121,164,000 |
| Allowance for loan losses | 1,604,000 | 1,619,000 | 1,593,000 | 1,564,000 |
| Securities available for sale | 25,828,000 | 25,570,000 | 24,651,000 | 25,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,749,000 | 137,092,000 | 133,687,000 | 141,563,000 |
| Interest-bearing deposits | 102,955,000 | 101,874,000 | 99,548,000 | 105,331,000 |
| Noninterest-bearing deposits | 36,793,000 | 35,218,000 | 34,139,000 | 36,232,000 |
| Equity capital | 16,359,000 | 16,355,000 | 16,632,000 | 16,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,638,000 | 7,047,000 | 9,493,000 |
| Interest expense | 714,000 | 1,490,000 | 2,305,000 | 3,151,000 |
| Net interest income | 1,564,000 | 3,148,000 | 4,742,000 | 6,342,000 |
| Noninterest income | 448,000 | 859,000 | 1,269,000 | 1,659,000 |
| Noninterest expense | 979,000 | 2,006,000 | 3,032,000 | 4,279,000 |
| Provision for loan losses | 48,000 | 62,000 | 52,000 | 20,000 |
| Pretax income | 985,000 | 1,939,000 | 2,926,000 | 3,701,000 |
| Income tax | 337,000 | 659,000 | 993,000 | 1,259,000 |
| Net income | 648,000 | 1,280,000 | 1,933,000 | 2,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,517,000 | 16,629,000 | 16,762,000 | 16,620,000 |
| Total capital | 18,032,000 | 18,140,000 | 18,289,000 | 18,151,000 |
| Risk-weighted assets | 121,148,000 | 120,811,000 | 122,064,000 | 122,463,000 |
Machine access — free, no API key
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