Call reports 2015
EXCHANGE BANK, THE — 2015
What EXCHANGE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 93,669,000 | 89,127,000 | 90,190,000 | 89,705,000 |
| Total loans | 47,363,000 | 45,572,000 | 41,886,000 | 44,435,000 |
| Allowance for loan losses | 735,000 | 743,000 | 725,000 | 728,000 |
| Securities available for sale | 25,987,000 | 27,020,000 | 26,984,000 | 27,456,000 |
| Securities held to maturity | 609,000 | 609,000 | 378,000 | 203,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,363,000 | 79,758,000 | 80,587,000 | 80,249,000 |
| Interest-bearing deposits | 67,656,000 | 63,794,000 | 62,465,000 | 63,480,000 |
| Noninterest-bearing deposits | 16,707,000 | 15,964,000 | 18,122,000 | 16,769,000 |
| Equity capital | 9,110,000 | 9,149,000 | 9,366,000 | 9,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,895,000 | 2,842,000 | 3,769,000 |
| Interest expense | 82,000 | 164,000 | 247,000 | 326,000 |
| Net interest income | 881,000 | 1,731,000 | 2,595,000 | 3,443,000 |
| Noninterest income | 41,000 | 279,000 | 400,000 | 559,000 |
| Noninterest expense | 887,000 | 1,757,000 | 2,647,000 | 3,503,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 35,000 | 253,000 | 359,000 | 510,000 |
| Income tax | 0 | 0 | 0 | 122,000 |
| Net income | 35,000 | 253,000 | 359,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,007,000 | 8,226,000 | 8,324,000 | 8,467,000 |
| Total capital | 8,672,000 | 8,878,000 | 8,924,000 | 9,113,000 |
| Risk-weighted assets | 53,141,000 | 51,721,000 | 47,526,000 | 51,274,000 |