Call reports 2007
EXCHANGE BANK, THE — 2007
What EXCHANGE BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,880,000 | 106,189,000 | 108,716,000 | 107,756,000 |
| Total loans | 74,456,000 | 74,364,000 | 76,625,000 | 76,578,000 |
| Allowance for loan losses | 1,114,000 | 1,111,000 | 1,141,000 | 1,200,000 |
| Securities available for sale | 19,417,000 | 19,234,000 | 19,904,000 | 19,959,000 |
| Securities held to maturity | 2,971,000 | 2,971,000 | 2,971,000 | 1,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,625,000 | 77,485,000 | 79,217,000 | 80,828,000 |
| Interest-bearing deposits | 67,392,000 | 65,949,000 | 67,352,000 | 66,825,000 |
| Noninterest-bearing deposits | 12,234,000 | 11,536,000 | 11,865,000 | 14,002,000 |
| Equity capital | 7,318,000 | 7,451,000 | 7,856,000 | 7,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,023,000 | 4,033,000 | 6,165,000 | 8,212,000 |
| Interest expense | 787,000 | 1,579,000 | 2,409,000 | 3,250,000 |
| Net interest income | 1,236,000 | 2,454,000 | 3,756,000 | 4,962,000 |
| Noninterest income | 234,000 | 498,000 | 788,000 | 1,053,000 |
| Noninterest expense | 1,006,000 | 2,040,000 | 3,099,000 | 4,125,000 |
| Provision for loan losses | 90,000 | 180,000 | 300,000 | 460,000 |
| Pretax income | 375,000 | 713,000 | 1,294,000 | 1,579,000 |
| Income tax | 106,000 | 203,000 | 362,000 | 337,000 |
| Net income | 269,000 | 510,000 | 932,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,009,000 | 7,174,000 | 7,864,000 | 7,858,000 |
| Total capital | 7,935,000 | 8,110,000 | 8,825,000 | 8,814,000 |
| Risk-weighted assets | 73,931,000 | 74,714,000 | 76,686,000 | 76,241,000 |
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