Call reports 2014
EXCHANGE BANK, THE — 2014
What EXCHANGE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 93,690,000 | 89,264,000 | 89,145,000 | 87,414,000 |
| Total loans | 46,292,000 | 47,055,000 | 47,861,000 | 48,461,000 |
| Allowance for loan losses | 713,000 | 721,000 | 698,000 | 682,000 |
| Securities available for sale | 25,831,000 | 26,295,000 | 26,033,000 | 24,461,000 |
| Securities held to maturity | 610,000 | 610,000 | 610,000 | 609,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,116,000 | 78,263,000 | 77,885,000 | 77,144,000 |
| Interest-bearing deposits | 66,866,000 | 62,301,000 | 62,078,000 | 61,039,000 |
| Noninterest-bearing deposits | 16,250,000 | 15,962,000 | 15,807,000 | 16,105,000 |
| Equity capital | 8,355,000 | 8,745,000 | 8,968,000 | 9,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,933,000 | 2,915,000 | 3,881,000 |
| Interest expense | 107,000 | 212,000 | 314,000 | 400,000 |
| Net interest income | 833,000 | 1,721,000 | 2,601,000 | 3,481,000 |
| Noninterest income | 112,000 | 294,000 | 551,000 | 727,000 |
| Noninterest expense | 873,000 | 1,738,000 | 2,678,000 | 3,528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 320,000 | 539,000 | 768,000 |
| Income tax | 0 | 0 | 0 | 253,000 |
| Net income | 115,000 | 320,000 | 539,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,790,000 | 8,194,000 | 8,284,000 | 8,579,000 |
| Total capital | 8,457,000 | 8,894,000 | 8,980,000 | 9,261,000 |
| Risk-weighted assets | 53,294,000 | 55,969,000 | 55,615,000 | 54,857,000 |