Call reports 2007
EXCHANGE BANK CO. — 2007
What EXCHANGE BANK CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,234,000 | 96,916,000 | 93,862,000 | 101,585,000 |
| Total loans | 40,855,000 | 43,634,000 | 47,194,000 | 49,030,000 |
| Allowance for loan losses | 345,000 | 348,000 | 352,000 | 354,000 |
| Securities available for sale | 34,166,000 | 41,793,000 | 36,507,000 | 35,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,740,000 | 79,416,000 | 76,889,000 | 84,555,000 |
| Interest-bearing deposits | 63,123,000 | 67,940,000 | 65,531,000 | 71,019,000 |
| Noninterest-bearing deposits | 11,617,000 | 11,476,000 | 11,358,000 | 13,536,000 |
| Equity capital | 10,334,000 | 10,125,000 | 10,665,000 | 10,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,470,000 | 3,808,000 | 5,190,000 |
| Interest expense | 542,000 | 1,195,000 | 1,876,000 | 2,576,000 |
| Net interest income | 627,000 | 1,275,000 | 1,932,000 | 2,614,000 |
| Noninterest income | 145,000 | 261,000 | 367,000 | 481,000 |
| Noninterest expense | 600,000 | 1,259,000 | 1,899,000 | 2,598,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 163,000 | 259,000 | 373,000 | 461,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 6,000 |
| Net income | 162,000 | 257,000 | 369,000 | 455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,713,000 | 7,766,000 | 7,902,000 | 7,978,000 |
| Total capital | 8,058,000 | 8,114,000 | 8,254,000 | 8,332,000 |
| Risk-weighted assets | 50,259,000 | 52,694,000 | 54,681,000 | 57,370,000 |
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