Call reports 2015
EXCHANGE BANK & TRUST — 2015
What EXCHANGE BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 397,674,000 | 390,928,000 | 381,716,000 | 411,379,000 |
| Total loans | 274,574,000 | 275,303,000 | 274,004,000 | 272,580,000 |
| Allowance for loan losses | 3,971,000 | 4,002,000 | 4,066,000 | 3,958,000 |
| Securities available for sale | 86,922,000 | 90,356,000 | 87,936,000 | 87,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,646,000 | 343,378,000 | 332,512,000 | 362,147,000 |
| Interest-bearing deposits | 326,872,000 | 321,381,000 | 309,212,000 | 334,746,000 |
| Noninterest-bearing deposits | 21,774,000 | 21,997,000 | 23,300,000 | 27,401,000 |
| Equity capital | 35,123,000 | 35,615,000 | 36,323,000 | 36,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,384,000 | 6,911,000 | 10,443,000 | 13,948,000 |
| Interest expense | 268,000 | 521,000 | 765,000 | 1,003,000 |
| Net interest income | 3,116,000 | 6,390,000 | 9,678,000 | 12,945,000 |
| Noninterest income | 689,000 | 1,491,000 | 2,287,000 | 3,092,000 |
| Noninterest expense | 2,154,000 | 4,226,000 | 6,468,000 | 9,235,000 |
| Provision for loan losses | 153,000 | 273,000 | 363,000 | 379,000 |
| Pretax income | 1,498,000 | 3,382,000 | 5,134,000 | 6,423,000 |
| Income tax | 495,000 | 1,118,000 | 1,692,000 | 1,953,000 |
| Net income | 1,003,000 | 2,264,000 | 3,442,000 | 4,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,702,000 | 35,471,000 | 36,056,000 | 36,345,000 |
| Total capital | 38,009,000 | 38,809,000 | 39,384,000 | 39,657,000 |
| Risk-weighted assets | 263,931,000 | 266,405,000 | 265,504,000 | 264,328,000 |