Call reports 2014
EXCHANGE BANK & TRUST — 2014
What EXCHANGE BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 385,591,000 | 378,462,000 | 372,898,000 | 410,405,000 |
| Total loans | 262,314,000 | 266,328,000 | 275,052,000 | 274,096,000 |
| Allowance for loan losses | 3,702,000 | 3,841,000 | 3,703,000 | 3,812,000 |
| Securities available for sale | 87,174,000 | 88,382,000 | 84,124,000 | 84,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,134,000 | 327,718,000 | 319,347,000 | 357,067,000 |
| Interest-bearing deposits | 313,525,000 | 306,449,000 | 299,174,000 | 332,049,000 |
| Noninterest-bearing deposits | 20,609,000 | 21,269,000 | 20,173,000 | 25,018,000 |
| Equity capital | 32,726,000 | 33,324,000 | 34,017,000 | 34,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,318,000 | 6,697,000 | 10,143,000 | 13,658,000 |
| Interest expense | 339,000 | 648,000 | 944,000 | 1,228,000 |
| Net interest income | 2,979,000 | 6,049,000 | 9,199,000 | 12,430,000 |
| Noninterest income | 707,000 | 1,429,000 | 2,199,000 | 3,001,000 |
| Noninterest expense | 2,081,000 | 4,131,000 | 6,324,000 | 8,930,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,470,000 | 3,077,000 | 4,669,000 | 5,961,000 |
| Income tax | 490,000 | 1,033,000 | 1,541,000 | 1,955,000 |
| Net income | 980,000 | 2,044,000 | 3,128,000 | 4,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,144,000 | 32,817,000 | 33,512,000 | 34,000,000 |
| Total capital | 35,489,000 | 36,197,000 | 37,001,000 | 37,460,000 |
| Risk-weighted assets | 267,274,000 | 269,977,000 | 278,893,000 | 276,456,000 |