Call reports 2016
EXCHANGE BANK, THE — 2016
What EXCHANGE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,293,000 | 91,545,000 | 97,260,000 | 95,089,000 |
| Total loans | 46,279,000 | 46,947,000 | 56,406,000 | 55,448,000 |
| Allowance for loan losses | 698,000 | 688,000 | 657,000 | 629,000 |
| Securities available for sale | 27,728,000 | 27,294,000 | 26,791,000 | 26,913,000 |
| Securities held to maturity | 103,000 | 102,000 | 102,000 | 102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,519,000 | 81,367,000 | 82,724,000 | 81,377,000 |
| Interest-bearing deposits | 68,107,000 | 64,525,000 | 64,608,000 | 64,634,000 |
| Noninterest-bearing deposits | 17,412,000 | 16,842,000 | 18,116,000 | 16,743,000 |
| Equity capital | 9,600,000 | 9,975,000 | 10,308,000 | 10,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 936,000 | 1,886,000 | 2,912,000 | 3,931,000 |
| Interest expense | 79,000 | 166,000 | 248,000 | 333,000 |
| Net interest income | 857,000 | 1,720,000 | 2,664,000 | 3,598,000 |
| Noninterest income | 271,000 | 514,000 | 762,000 | 922,000 |
| Noninterest expense | 844,000 | 1,667,000 | 2,523,000 | 3,374,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 300,000 | 583,000 | 919,000 | 1,162,000 |
| Income tax | 0 | 0 | 0 | 84,000 |
| Net income | 300,000 | 583,000 | 919,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,693,000 | 8,976,000 | 9,306,000 | 9,532,000 |
| Total capital | 9,358,000 | 9,653,000 | 9,963,000 | 10,161,000 |
| Risk-weighted assets | 52,945,000 | 53,952,000 | 61,587,000 | 60,692,000 |