Call reports 2012
EXCHANGE BANK, THE — 2012
What EXCHANGE BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 92,374,000 | 89,680,000 | 87,616,000 | 87,123,000 |
| Total loans | 48,041,000 | 49,602,000 | 48,503,000 | 47,683,000 |
| Allowance for loan losses | 1,184,000 | 1,007,000 | 1,329,000 | 1,050,000 |
| Securities available for sale | 21,090,000 | 22,048,000 | 22,167,000 | 22,075,000 |
| Securities held to maturity | 1,258,000 | 1,258,000 | 1,258,000 | 1,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,101,000 | 79,162,000 | 77,259,000 | 76,398,000 |
| Interest-bearing deposits | 67,507,000 | 63,883,000 | 62,751,000 | 61,899,000 |
| Noninterest-bearing deposits | 14,594,000 | 15,279,000 | 14,508,000 | 14,499,000 |
| Equity capital | 8,029,000 | 8,270,000 | 8,102,000 | 8,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,087,000 | 3,072,000 | 4,054,000 |
| Interest expense | 173,000 | 328,000 | 463,000 | 587,000 |
| Net interest income | 850,000 | 1,759,000 | 2,609,000 | 3,467,000 |
| Noninterest income | 167,000 | 336,000 | 472,000 | 659,000 |
| Noninterest expense | 885,000 | 1,764,000 | 2,586,000 | 3,361,000 |
| Provision for loan losses | 20,000 | 125,000 | 535,000 | 325,000 |
| Pretax income | 112,000 | 206,000 | -40,000 | 543,000 |
| Income tax | 4,000 | 4,000 | 5,000 | 130,000 |
| Net income | 108,000 | 202,000 | -45,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,167,000 | 7,525,000 | 7,509,000 | 7,662,000 |
| Total capital | 7,840,000 | 8,212,000 | 8,235,000 | 8,324,000 |
| Risk-weighted assets | 52,868,000 | 54,165,000 | 57,460,000 | 51,793,000 |