Call reports 2010
EXCHANGE BANK CO. — 2010
What EXCHANGE BANK CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 126,500,000 | 129,951,000 | 131,045,000 | 135,786,000 |
| Total loans | 63,640,000 | 64,936,000 | 65,124,000 | 63,408,000 |
| Allowance for loan losses | 744,000 | 811,000 | 936,000 | 833,000 |
| Securities available for sale | 44,570,000 | 43,676,000 | 50,231,000 | 56,269,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,911,000 | 112,013,000 | 112,961,000 | 118,843,000 |
| Interest-bearing deposits | 95,934,000 | 98,490,000 | 99,488,000 | 103,041,000 |
| Noninterest-bearing deposits | 13,977,000 | 13,523,000 | 13,473,000 | 15,802,000 |
| Equity capital | 12,202,000 | 12,844,000 | 13,072,000 | 12,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,442,000 | 2,932,000 | 4,416,000 | 5,897,000 |
| Interest expense | 501,000 | 983,000 | 1,447,000 | 1,907,000 |
| Net interest income | 941,000 | 1,949,000 | 2,969,000 | 3,990,000 |
| Noninterest income | 97,000 | 213,000 | 335,000 | 455,000 |
| Noninterest expense | 850,000 | 1,745,000 | 2,543,000 | 3,250,000 |
| Provision for loan losses | 88,000 | 156,000 | 281,000 | 458,000 |
| Pretax income | 214,000 | 375,000 | 594,000 | 851,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | 375,000 | 594,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,331,000 | 9,535,000 | 9,798,000 | 10,078,000 |
| Total capital | 10,075,000 | 10,346,000 | 10,734,000 | 10,911,000 |
| Risk-weighted assets | 74,404,000 | 75,914,000 | 79,422,000 | 82,292,000 |
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