Call reports 2007
EXCHANGE BANK & TRUST — 2007
What EXCHANGE BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,874,000 | 165,903,000 | 167,324,000 | 180,798,000 |
| Total loans | 119,921,000 | 122,803,000 | 125,472,000 | 127,864,000 |
| Allowance for loan losses | 1,568,000 | 1,555,000 | 1,501,000 | 1,458,000 |
| Securities available for sale | 28,442,000 | 32,474,000 | 34,559,000 | 35,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,006,000 | 145,519,000 | 143,468,000 | 157,087,000 |
| Interest-bearing deposits | 105,917,000 | 108,775,000 | 106,746,000 | 118,668,000 |
| Noninterest-bearing deposits | 38,089,000 | 36,744,000 | 36,722,000 | 38,419,000 |
| Equity capital | 16,752,000 | 16,707,000 | 17,271,000 | 17,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,476,000 | 5,104,000 | 7,808,000 | 10,595,000 |
| Interest expense | 890,000 | 1,834,000 | 2,819,000 | 3,801,000 |
| Net interest income | 1,586,000 | 3,270,000 | 4,989,000 | 6,794,000 |
| Noninterest income | 488,000 | 961,000 | 1,466,000 | 1,933,000 |
| Noninterest expense | 1,003,000 | 2,084,000 | 3,144,000 | 4,503,000 |
| Provision for loan losses | 9,000 | 12,000 | 12,000 | 12,000 |
| Pretax income | 1,062,000 | 2,135,000 | 3,299,000 | 4,211,000 |
| Income tax | 373,000 | 724,000 | 1,118,000 | 1,418,000 |
| Net income | 689,000 | 1,411,000 | 2,181,000 | 2,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,790,000 | 16,992,000 | 17,242,000 | 17,014,000 |
| Total capital | 18,310,000 | 18,547,000 | 18,743,000 | 18,472,000 |
| Risk-weighted assets | 121,565,000 | 124,506,000 | 126,533,000 | 130,876,000 |
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