Call reports 2016
EXCHANGE BANK & TRUST — 2016
What EXCHANGE BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 392,751,000 | 396,827,000 | 396,031,000 | 419,043,000 |
| Total loans | 269,508,000 | 269,818,000 | 268,978,000 | 265,310,000 |
| Allowance for loan losses | 3,971,000 | 3,915,000 | 3,949,000 | 3,604,000 |
| Securities available for sale | 88,428,000 | 90,017,000 | 86,471,000 | 88,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,013,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,069,000 | 345,868,000 | 344,979,000 | 367,918,000 |
| Interest-bearing deposits | 321,035,000 | 323,885,000 | 319,518,000 | 340,716,000 |
| Noninterest-bearing deposits | 22,034,000 | 21,983,000 | 25,461,000 | 27,202,000 |
| Equity capital | 37,397,000 | 38,107,000 | 38,577,000 | 37,895,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,434,000 | 6,939,000 | 10,468,000 | 13,876,000 |
| Interest expense | 252,000 | 505,000 | 761,000 | 1,020,000 |
| Net interest income | 3,182,000 | 6,434,000 | 9,707,000 | 12,856,000 |
| Noninterest income | 682,000 | 1,385,000 | 2,105,000 | 2,777,000 |
| Noninterest expense | 2,055,000 | 4,204,000 | 6,399,000 | 8,946,000 |
| Provision for loan losses | 59,000 | 89,000 | 124,000 | 424,000 |
| Pretax income | 1,750,000 | 3,526,000 | 5,289,000 | 6,263,000 |
| Income tax | 573,000 | 1,165,000 | 1,752,000 | 2,040,000 |
| Net income | 1,177,000 | 2,361,000 | 3,537,000 | 4,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,969,000 | 37,560,000 | 38,143,000 | 38,134,000 |
| Total capital | 40,229,000 | 40,811,000 | 41,381,000 | 41,344,000 |
| Risk-weighted assets | 260,115,000 | 259,399,000 | 258,313,000 | 256,404,000 |