Call reports 2012
EXCHANGE BANK & TRUST — 2012
What EXCHANGE BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 332,290,000 | 336,924,000 | 351,574,000 | 401,663,000 |
| Total loans | 216,978,000 | 223,678,000 | 242,766,000 | 253,541,000 |
| Allowance for loan losses | 2,892,000 | 2,892,000 | 2,960,000 | 2,977,000 |
| Securities available for sale | 68,502,000 | 72,322,000 | 72,644,000 | 81,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,732,000 | 288,910,000 | 303,378,000 | 353,335,000 |
| Interest-bearing deposits | 265,352,000 | 262,734,000 | 282,961,000 | 324,227,000 |
| Noninterest-bearing deposits | 23,380,000 | 26,176,000 | 20,417,000 | 29,108,000 |
| Equity capital | 28,959,000 | 29,393,000 | 29,824,000 | 30,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,240,000 | 6,438,000 | 9,815,000 | 13,323,000 |
| Interest expense | 511,000 | 980,000 | 1,433,000 | 1,866,000 |
| Net interest income | 2,729,000 | 5,458,000 | 8,382,000 | 11,457,000 |
| Noninterest income | 682,000 | 1,374,000 | 2,163,000 | 3,058,000 |
| Noninterest expense | 1,985,000 | 3,998,000 | 6,090,000 | 8,761,000 |
| Provision for loan losses | 72,000 | 144,000 | 310,000 | 508,000 |
| Pretax income | 1,354,000 | 2,715,000 | 4,170,000 | 5,271,000 |
| Income tax | 443,000 | 884,000 | 1,361,000 | 1,755,000 |
| Net income | 911,000 | 1,831,000 | 2,809,000 | 3,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,358,000 | 28,756,000 | 29,212,000 | 29,548,000 |
| Total capital | 31,189,000 | 31,648,000 | 32,172,000 | 32,525,000 |
| Risk-weighted assets | 226,381,000 | 234,281,000 | 248,903,000 | 261,072,000 |