Call reports 2009
EXCHANGE BANK CO. — 2009
What EXCHANGE BANK CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 110,213,000 | 112,358,000 | 116,761,000 | 120,822,000 |
| Total loans | 56,709,000 | 58,911,000 | 63,065,000 | 65,654,000 |
| Allowance for loan losses | 365,000 | 350,000 | 391,000 | 655,000 |
| Securities available for sale | 36,590,000 | 40,158,000 | 43,017,000 | 40,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,961,000 | 99,451,000 | 101,404,000 | 104,681,000 |
| Interest-bearing deposits | 83,559,000 | 85,963,000 | 88,462,000 | 88,907,000 |
| Noninterest-bearing deposits | 13,402,000 | 13,488,000 | 12,942,000 | 15,774,000 |
| Equity capital | 11,838,000 | 11,341,000 | 12,144,000 | 12,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,393,000 | 2,816,000 | 4,317,000 | 5,851,000 |
| Interest expense | 579,000 | 1,111,000 | 1,649,000 | 2,180,000 |
| Net interest income | 814,000 | 1,705,000 | 2,668,000 | 3,671,000 |
| Noninterest income | 106,000 | 219,000 | 336,000 | 451,000 |
| Noninterest expense | 723,000 | 1,548,000 | 2,339,000 | 3,167,000 |
| Provision for loan losses | 45,000 | 64,000 | 105,000 | 370,000 |
| Pretax income | 217,000 | 377,000 | 625,000 | 507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 377,000 | 625,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,689,000 | 8,878,000 | 9,154,000 | 9,074,000 |
| Total capital | 9,054,000 | 9,228,000 | 9,545,000 | 9,729,000 |
| Risk-weighted assets | 64,117,000 | 66,425,000 | 71,871,000 | 75,190,000 |
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