Call reports 2006
EXCHANGE BANK, THE — 2006
What EXCHANGE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 97,353,000 | 97,346,000 | 100,647,000 | 105,477,000 |
| Total loans | 66,139,000 | 67,725,000 | 71,246,000 | 74,176,000 |
| Allowance for loan losses | 583,000 | 621,000 | 700,000 | 1,121,000 |
| Securities available for sale | 19,867,000 | 19,479,000 | 20,170,000 | 20,360,000 |
| Securities held to maturity | 1,411,000 | 1,806,000 | 1,541,000 | 2,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,023,000 | 70,411,000 | 73,262,000 | 77,384,000 |
| Interest-bearing deposits | 61,708,000 | 59,634,000 | 62,244,000 | 66,099,000 |
| Noninterest-bearing deposits | 9,315,000 | 10,777,000 | 11,018,000 | 11,285,000 |
| Equity capital | 6,752,000 | 6,744,000 | 7,088,000 | 7,028,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,752,000 | 3,516,000 | 5,415,000 | 7,443,000 |
| Interest expense | 588,000 | 1,203,000 | 1,887,000 | 2,690,000 |
| Net interest income | 1,164,000 | 2,313,000 | 3,528,000 | 4,753,000 |
| Noninterest income | 212,000 | 457,000 | 758,000 | 1,026,000 |
| Noninterest expense | 912,000 | 1,850,000 | 2,818,000 | 3,858,000 |
| Provision for loan losses | 80,000 | 165,000 | 260,000 | 811,000 |
| Pretax income | 384,000 | 755,000 | 1,192,000 | 1,099,000 |
| Income tax | 108,000 | 218,000 | 354,000 | 202,000 |
| Net income | 276,000 | 537,000 | 838,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,884,000 | 6,925,000 | 7,082,000 | 6,697,000 |
| Total capital | 7,467,000 | 7,546,000 | 7,782,000 | 7,618,000 |
| Risk-weighted assets | 70,429,000 | 70,469,000 | 72,893,000 | 73,469,000 |
Machine access — free, no API key
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