Call reports 2009
EXCHANGE BANK & TRUST — 2009
What EXCHANGE BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 193,706,000 | 195,936,000 | 192,538,000 | 204,597,000 |
| Total loans | 135,662,000 | 137,908,000 | 140,080,000 | 136,078,000 |
| Allowance for loan losses | 1,461,000 | 1,415,000 | 1,414,000 | 1,501,000 |
| Securities available for sale | 40,397,000 | 43,757,000 | 41,755,000 | 40,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,966,000 | 162,969,000 | 158,849,000 | 172,672,000 |
| Interest-bearing deposits | 121,408,000 | 123,677,000 | 149,267,000 | 160,512,000 |
| Noninterest-bearing deposits | 39,558,000 | 39,292,000 | 9,582,000 | 12,160,000 |
| Equity capital | 18,227,000 | 18,355,000 | 18,721,000 | 18,282,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,596,000 | 5,214,000 | 7,834,000 | 10,348,000 |
| Interest expense | 621,000 | 1,195,000 | 1,736,000 | 2,237,000 |
| Net interest income | 1,975,000 | 4,019,000 | 6,098,000 | 8,111,000 |
| Noninterest income | 500,000 | 1,012,000 | 1,532,000 | 2,019,000 |
| Noninterest expense | 1,149,000 | 2,350,000 | 3,631,000 | 5,188,000 |
| Provision for loan losses | 39,000 | 120,000 | 223,000 | 350,000 |
| Pretax income | 1,287,000 | 2,561,000 | 3,793,000 | 4,609,000 |
| Income tax | 442,000 | 879,000 | 1,303,000 | 1,574,000 |
| Net income | 845,000 | 1,682,000 | 2,490,000 | 3,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,608,000 | 17,845,000 | 18,053,000 | 17,718,000 |
| Total capital | 19,069,000 | 19,148,000 | 19,467,000 | 19,219,000 |
| Risk-weighted assets | 137,605,000 | 140,132,000 | 142,774,000 | 139,221,000 |