Call reports 2009
EXCHANGE BANK, THE — 2009
What EXCHANGE BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 98,399,000 | 97,197,000 | 95,799,000 | 91,133,000 |
| Total loans | 65,429,000 | 64,978,000 | 65,716,000 | 64,351,000 |
| Allowance for loan losses | 1,286,000 | 1,143,000 | 1,386,000 | 1,363,000 |
| Securities available for sale | 19,717,000 | 18,279,000 | 17,763,000 | 15,184,000 |
| Securities held to maturity | 1,067,000 | 1,067,000 | 1,066,000 | 1,066,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,683,000 | 85,412,000 | 84,085,000 | 79,014,000 |
| Interest-bearing deposits | 74,768,000 | 72,932,000 | 71,485,000 | 65,958,000 |
| Noninterest-bearing deposits | 11,914,000 | 12,481,000 | 12,600,000 | 13,055,000 |
| Equity capital | 6,529,000 | 6,522,000 | 6,664,000 | 6,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,347,000 | 2,659,000 | 3,982,000 | 5,152,000 |
| Interest expense | 480,000 | 925,000 | 1,333,000 | 1,684,000 |
| Net interest income | 867,000 | 1,734,000 | 2,649,000 | 3,468,000 |
| Noninterest income | 239,000 | 491,000 | 779,000 | 881,000 |
| Noninterest expense | 1,210,000 | 2,295,000 | 3,363,000 | 4,381,000 |
| Provision for loan losses | 196,000 | 327,000 | 669,000 | 814,000 |
| Pretax income | -300,000 | -289,000 | -313,000 | -555,000 |
| Income tax | 0 | 0 | 0 | -333,000 |
| Net income | -300,000 | -289,000 | -313,000 | -222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,637,000 | 5,503,000 | 5,624,000 | 5,708,000 |
| Total capital | 6,467,000 | 6,350,000 | 6,454,000 | 6,535,000 |
| Risk-weighted assets | 66,211,000 | 67,723,000 | 66,285,000 | 65,629,000 |
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