Call reports 2011
EXCHANGE BANK, THE — 2011
What EXCHANGE BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,988,000 | 95,256,000 | 91,110,000 | 91,566,000 |
| Total loans | 52,585,000 | 51,706,000 | 49,869,000 | 48,764,000 |
| Allowance for loan losses | 1,045,000 | 1,092,000 | 1,101,000 | 1,222,000 |
| Securities available for sale | 20,923,000 | 21,471,000 | 21,604,000 | 21,919,000 |
| Securities held to maturity | 760,000 | 760,000 | 759,000 | 759,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,483,000 | 83,280,000 | 80,712,000 | 81,359,000 |
| Interest-bearing deposits | 70,881,000 | 69,777,000 | 68,555,000 | 67,600,000 |
| Noninterest-bearing deposits | 13,603,000 | 13,503,000 | 12,157,000 | 13,758,000 |
| Equity capital | 7,229,000 | 7,661,000 | 8,100,000 | 7,968,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,132,000 | 2,272,000 | 3,365,000 | 4,411,000 |
| Interest expense | 241,000 | 475,000 | 680,000 | 870,000 |
| Net interest income | 891,000 | 1,797,000 | 2,685,000 | 3,541,000 |
| Noninterest income | 122,000 | 287,000 | 385,000 | 553,000 |
| Noninterest expense | 890,000 | 1,758,000 | 2,618,000 | 3,499,000 |
| Provision for loan losses | 96,000 | 156,000 | 216,000 | 470,000 |
| Pretax income | 29,000 | 172,000 | 379,000 | 268,000 |
| Income tax | 0 | 0 | 0 | -26,000 |
| Net income | 29,000 | 172,000 | 379,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,870,000 | 7,161,000 | 7,011,000 |
| Total capital | 7,219,000 | 7,583,000 | 7,849,000 | 7,669,000 |
| Risk-weighted assets | 57,039,000 | 56,160,000 | 54,127,000 | 52,094,000 |