Call reports 2013
EXCHANGE BANK & TRUST — 2013
What EXCHANGE BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 391,384,000 | 385,727,000 | 370,817,000 | 396,829,000 |
| Total loans | 250,637,000 | 257,732,000 | 264,335,000 | 264,860,000 |
| Allowance for loan losses | 3,058,000 | 3,254,000 | 3,477,000 | 3,602,000 |
| Securities available for sale | 85,844,000 | 86,757,000 | 83,456,000 | 83,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,842,000 | 334,811,000 | 319,938,000 | 345,499,000 |
| Interest-bearing deposits | 319,014,000 | 314,016,000 | 300,956,000 | 320,559,000 |
| Noninterest-bearing deposits | 20,828,000 | 20,795,000 | 18,982,000 | 24,940,000 |
| Equity capital | 31,094,000 | 31,179,000 | 31,636,000 | 31,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,537,000 | 7,020,000 | 10,479,000 | 13,937,000 |
| Interest expense | 418,000 | 815,000 | 1,186,000 | 1,530,000 |
| Net interest income | 3,119,000 | 6,205,000 | 9,293,000 | 12,407,000 |
| Noninterest income | 704,000 | 1,422,000 | 2,354,000 | 3,117,000 |
| Noninterest expense | 2,172,000 | 4,284,000 | 6,455,000 | 9,092,000 |
| Provision for loan losses | 170,000 | 370,000 | 635,000 | 900,000 |
| Pretax income | 1,481,000 | 2,973,000 | 4,557,000 | 5,532,000 |
| Income tax | 499,000 | 1,004,000 | 1,533,000 | 1,879,000 |
| Net income | 982,000 | 1,969,000 | 3,024,000 | 3,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,137,000 | 30,667,000 | 31,323,000 | 31,554,000 |
| Total capital | 33,195,000 | 33,921,000 | 34,684,000 | 34,924,000 |
| Risk-weighted assets | 257,089,000 | 263,009,000 | 268,752,000 | 269,404,000 |