Call reports 2013
EXCHANGE BANK, THE — 2013
What EXCHANGE BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,707,000 | 89,172,000 | 87,196,000 | 88,033,000 |
| Total loans | 47,758,000 | 49,237,000 | 47,940,000 | 47,084,000 |
| Allowance for loan losses | 995,000 | 877,000 | 785,000 | 710,000 |
| Securities available for sale | 25,557,000 | 26,025,000 | 25,842,000 | 25,806,000 |
| Securities held to maturity | 1,257,000 | 1,257,000 | 756,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,759,000 | 77,132,000 | 74,757,000 | 77,615,000 |
| Interest-bearing deposits | 66,190,000 | 62,515,000 | 59,777,000 | 61,316,000 |
| Noninterest-bearing deposits | 14,569,000 | 14,617,000 | 14,980,000 | 16,299,000 |
| Equity capital | 8,707,000 | 8,173,000 | 8,213,000 | 8,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,016,000 | 2,005,000 | 2,980,000 | 3,943,000 |
| Interest expense | 108,000 | 221,000 | 335,000 | 444,000 |
| Net interest income | 908,000 | 1,784,000 | 2,645,000 | 3,499,000 |
| Noninterest income | 181,000 | 501,000 | 725,000 | 918,000 |
| Noninterest expense | 824,000 | 1,589,000 | 2,392,000 | 3,255,000 |
| Provision for loan losses | 90,000 | 660,000 | 720,000 | 720,000 |
| Pretax income | 175,000 | 36,000 | 295,000 | 479,000 |
| Income tax | 0 | 0 | -2,000 | 151,000 |
| Net income | 175,000 | 36,000 | 297,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,846,000 | 7,491,000 | 7,570,000 | 7,748,000 |
| Total capital | 8,517,000 | 8,197,000 | 8,246,000 | 8,431,000 |
| Risk-weighted assets | 53,364,000 | 56,283,000 | 53,954,000 | 54,605,000 |