Call reports 2017
EXCHANGE BANK, THE — 2017
What EXCHANGE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 99,521,000 | 96,224,000 | 94,378,000 | 95,585,000 |
| Total loans | 54,444,000 | 52,968,000 | 50,105,000 | 48,836,000 |
| Allowance for loan losses | 629,000 | 654,000 | 646,000 | 646,000 |
| Securities available for sale | 31,072,000 | 30,819,000 | 31,066,000 | 30,748,000 |
| Securities held to maturity | 102,000 | 102,000 | 102,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,097,000 | 85,387,000 | 83,172,000 | 84,710,000 |
| Interest-bearing deposits | 67,096,000 | 68,216,000 | 66,827,000 | 68,388,000 |
| Noninterest-bearing deposits | 20,001,000 | 17,171,000 | 16,345,000 | 16,322,000 |
| Equity capital | 10,247,000 | 10,620,000 | 10,955,000 | 10,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 2,021,000 | 3,022,000 | 4,009,000 |
| Interest expense | 83,000 | 163,000 | 242,000 | 329,000 |
| Net interest income | 935,000 | 1,858,000 | 2,780,000 | 3,680,000 |
| Noninterest income | 202,000 | 346,000 | 648,000 | 853,000 |
| Noninterest expense | 852,000 | 1,694,000 | 2,537,000 | 3,397,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 285,000 | 510,000 | 896,000 | 1,139,000 |
| Income tax | 0 | 6,000 | 9,000 | 273,000 |
| Net income | 285,000 | 504,000 | 887,000 | 866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,707,000 | 9,926,000 | 10,309,000 | 10,551,000 |
| Total capital | 10,336,000 | 10,580,000 | 10,955,000 | 11,197,000 |
| Risk-weighted assets | 60,777,000 | 59,159,000 | 56,075,000 | 54,759,000 |