Call reports 2006
EXCHANGE BANK CO. — 2006
What EXCHANGE BANK CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 90,608,000 | 88,996,000 | 86,485,000 | 86,465,000 |
| Total loans | 40,611,000 | 42,749,000 | 42,660,000 | 41,190,000 |
| Allowance for loan losses | 308,000 | 292,000 | 302,000 | 339,000 |
| Securities available for sale | 40,632,000 | 36,726,000 | 33,879,000 | 31,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,157,000 | 69,310,000 | 68,462,000 | 69,357,000 |
| Interest-bearing deposits | 58,793,000 | 58,209,000 | 58,573,000 | 58,078,000 |
| Noninterest-bearing deposits | 10,364,000 | 11,101,000 | 9,889,000 | 11,279,000 |
| Equity capital | 9,483,000 | 9,239,000 | 9,768,000 | 10,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,100,000 | 3,222,000 | 4,374,000 |
| Interest expense | 396,000 | 821,000 | 1,304,000 | 1,799,000 |
| Net interest income | 633,000 | 1,279,000 | 1,918,000 | 2,575,000 |
| Noninterest income | 173,000 | 270,000 | 377,000 | 447,000 |
| Noninterest expense | 601,000 | 1,240,000 | 1,866,000 | 2,462,000 |
| Provision for loan losses | 98,000 | 107,000 | 116,000 | 126,000 |
| Pretax income | 107,000 | 202,000 | 313,000 | 434,000 |
| Income tax | 45,000 | -140,000 | -140,000 | -140,000 |
| Net income | 62,000 | 342,000 | 453,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,875,000 | 7,206,000 | 7,361,000 | 7,506,000 |
| Total capital | 7,183,000 | 7,498,000 | 7,663,000 | 7,845,000 |
| Risk-weighted assets | 48,214,000 | 49,854,000 | 49,249,000 | 48,610,000 |
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