Call reports 2010
EXCHANGE BANK & TRUST — 2010
What EXCHANGE BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 200,018,000 | 200,127,000 | 194,948,000 | 205,711,000 |
| Total loans | 134,036,000 | 139,823,000 | 141,834,000 | 141,910,000 |
| Allowance for loan losses | 1,575,000 | 1,641,000 | 1,701,000 | 1,658,000 |
| Securities available for sale | 44,605,000 | 45,038,000 | 44,526,000 | 43,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,417,000 | 167,487,000 | 162,976,000 | 174,366,000 |
| Interest-bearing deposits | 157,693,000 | 157,054,000 | 152,354,000 | 162,187,000 |
| Noninterest-bearing deposits | 9,724,000 | 10,433,000 | 10,622,000 | 12,179,000 |
| Equity capital | 18,447,000 | 18,560,000 | 18,798,000 | 18,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,355,000 | 4,707,000 | 7,128,000 | 9,462,000 |
| Interest expense | 475,000 | 929,000 | 1,352,000 | 1,750,000 |
| Net interest income | 1,880,000 | 3,778,000 | 5,776,000 | 7,712,000 |
| Noninterest income | 496,000 | 1,039,000 | 1,554,000 | 2,121,000 |
| Noninterest expense | 1,242,000 | 2,498,000 | 3,789,000 | 5,265,000 |
| Provision for loan losses | 119,000 | 322,000 | 391,000 | 485,000 |
| Pretax income | 1,015,000 | 1,997,000 | 3,172,000 | 4,105,000 |
| Income tax | 345,000 | 688,000 | 1,102,000 | 1,427,000 |
| Net income | 670,000 | 1,309,000 | 2,070,000 | 2,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,868,000 | 17,987,000 | 18,148,000 | 17,956,000 |
| Total capital | 19,443,000 | 19,628,000 | 19,849,000 | 19,614,000 |
| Risk-weighted assets | 137,923,000 | 143,814,000 | 145,258,000 | 146,481,000 |