Call reports 2011
EXCHANGE BANK CO. — 2011
What EXCHANGE BANK CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 142,037,000 | 139,139,000 | 137,181,000 | 136,133,000 |
| Total loans | 61,110,000 | 64,916,000 | 66,793,000 | 68,577,000 |
| Allowance for loan losses | 757,000 | 776,000 | 904,000 | 983,000 |
| Securities available for sale | 58,790,000 | 63,916,000 | 53,888,000 | 58,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,636,000 | 119,780,000 | 118,130,000 | 117,343,000 |
| Interest-bearing deposits | 108,329,000 | 104,173,000 | 101,082,000 | 98,695,000 |
| Noninterest-bearing deposits | 16,307,000 | 15,607,000 | 17,048,000 | 18,648,000 |
| Equity capital | 12,640,000 | 13,958,000 | 14,466,000 | 14,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,962,000 | 4,465,000 | 5,934,000 |
| Interest expense | 418,000 | 788,000 | 1,130,000 | 1,437,000 |
| Net interest income | 1,036,000 | 2,174,000 | 3,335,000 | 4,497,000 |
| Noninterest income | 98,000 | 214,000 | 350,000 | 323,000 |
| Noninterest expense | 785,000 | 1,579,000 | 2,391,000 | 3,188,000 |
| Provision for loan losses | 90,000 | 239,000 | 386,000 | 481,000 |
| Pretax income | 539,000 | 850,000 | 1,188,000 | 1,431,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 539,000 | 850,000 | 1,188,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,566,000 | 10,857,000 | 11,195,000 | 11,238,000 |
| Total capital | 11,323,000 | 11,633,000 | 12,099,000 | 12,221,000 |
| Risk-weighted assets | 81,522,000 | 83,902,000 | 85,753,000 | 87,540,000 |