Call reports 2008
EXCHANGE BANK, THE — 2008
What EXCHANGE BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,731,000 | 105,728,000 | 101,525,000 | 97,453,000 |
| Total loans | 74,114,000 | 71,752,000 | 69,572,000 | 68,249,000 |
| Allowance for loan losses | 1,472,000 | 1,474,000 | 1,306,000 | 1,361,000 |
| Securities available for sale | 22,811,000 | 21,356,000 | 17,698,000 | 17,386,000 |
| Securities held to maturity | 1,672,000 | 1,672,000 | 1,248,000 | 1,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,804,000 | 86,580,000 | 83,619,000 | 80,792,000 |
| Interest-bearing deposits | 73,516,000 | 72,675,000 | 70,148,000 | 68,864,000 |
| Noninterest-bearing deposits | 12,288,000 | 13,905,000 | 13,471,000 | 11,928,000 |
| Equity capital | 7,663,000 | 7,551,000 | 6,543,000 | 6,831,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,900,000 | 3,642,000 | 5,239,000 | 6,729,000 |
| Interest expense | 781,000 | 1,448,000 | 2,059,000 | 2,611,000 |
| Net interest income | 1,119,000 | 2,194,000 | 3,180,000 | 4,118,000 |
| Noninterest income | 221,000 | 461,000 | 706,000 | 967,000 |
| Noninterest expense | 1,047,000 | 2,128,000 | 3,201,000 | 4,265,000 |
| Provision for loan losses | 620,000 | 620,000 | 768,000 | 917,000 |
| Pretax income | -325,000 | -91,000 | -4,042,000 | -4,031,000 |
| Income tax | 0 | 0 | -1,500,000 | -1,630,000 |
| Net income | -325,000 | -91,000 | -2,542,000 | -2,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,550,000 | 7,661,000 | 5,872,000 | 6,006,000 |
| Total capital | 8,483,000 | 8,608,000 | 6,736,000 | 6,864,000 |
| Risk-weighted assets | 74,120,000 | 75,283,000 | 68,886,000 | 68,196,000 |
Machine access — free, no API key
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