Call reports 2008
EXCHANGE BANK CO. — 2008
What EXCHANGE BANK CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,610,000 | 110,198,000 | 108,362,000 | 110,189,000 |
| Total loans | 52,236,000 | 54,193,000 | 53,586,000 | 57,941,000 |
| Allowance for loan losses | 329,000 | 322,000 | 366,000 | 408,000 |
| Securities available for sale | 40,974,000 | 39,208,000 | 42,553,000 | 41,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,455,000 | 92,916,000 | 90,919,000 | 91,310,000 |
| Interest-bearing deposits | 78,058,000 | 80,189,000 | 78,279,000 | 77,198,000 |
| Noninterest-bearing deposits | 12,397,000 | 12,727,000 | 12,640,000 | 14,112,000 |
| Equity capital | 10,930,000 | 10,227,000 | 10,287,000 | 11,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,451,000 | 2,918,000 | 4,391,000 | 5,859,000 |
| Interest expense | 749,000 | 1,482,000 | 2,179,000 | 2,829,000 |
| Net interest income | 702,000 | 1,436,000 | 2,212,000 | 3,030,000 |
| Noninterest income | 107,000 | 220,000 | 340,000 | 459,000 |
| Noninterest expense | 693,000 | 1,382,000 | 2,117,000 | 2,831,000 |
| Provision for loan losses | 26,000 | 72,000 | 118,000 | 164,000 |
| Pretax income | 102,000 | 250,000 | 118,000 | 292,000 |
| Income tax | 0 | 2,000 | 0 | 0 |
| Net income | 102,000 | 248,000 | 118,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,072,000 | 8,223,000 | 8,222,000 | 8,440,000 |
| Total capital | 8,401,000 | 8,545,000 | 8,588,000 | 8,848,000 |
| Risk-weighted assets | 60,077,000 | 62,080,000 | 61,506,000 | 64,863,000 |
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