Call reports 2008
EXCHANGE BANK & TRUST — 2008
What EXCHANGE BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 183,203,000 | 188,519,000 | 182,670,000 | 197,012,000 |
| Total loans | 125,219,000 | 131,339,000 | 134,263,000 | 135,653,000 |
| Allowance for loan losses | 1,449,000 | 1,406,000 | 1,398,000 | 1,443,000 |
| Securities available for sale | 40,027,000 | 40,677,000 | 40,920,000 | 37,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,200,000 | 161,681,000 | 152,958,000 | 165,221,000 |
| Interest-bearing deposits | 117,194,000 | 122,744,000 | 116,677,000 | 123,935,000 |
| Noninterest-bearing deposits | 39,006,000 | 38,937,000 | 36,281,000 | 41,286,000 |
| Equity capital | 17,871,000 | 17,559,000 | 17,794,000 | 17,971,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,512,000 | 8,234,000 | 10,905,000 |
| Interest expense | 959,000 | 1,815,000 | 2,610,000 | 3,337,000 |
| Net interest income | 1,833,000 | 3,697,000 | 5,624,000 | 7,568,000 |
| Noninterest income | 538,000 | 1,045,000 | 1,582,000 | 2,062,000 |
| Noninterest expense | 1,074,000 | 2,183,000 | 3,506,000 | 4,956,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 100,000 |
| Pretax income | 1,297,000 | 2,559,000 | 3,680,000 | 4,575,000 |
| Income tax | 444,000 | 873,000 | 1,247,000 | 1,546,000 |
| Net income | 853,000 | 1,686,000 | 2,433,000 | 3,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,267,000 | 17,500,000 | 17,646,000 | 17,363,000 |
| Total capital | 18,716,000 | 18,906,000 | 19,044,000 | 18,806,000 |
| Risk-weighted assets | 130,463,000 | 138,117,000 | 140,189,000 | 139,416,000 |