Call reports 2012
EXCHANGE BANK CO. — 2012
What EXCHANGE BANK CO. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 149,548,000 | 140,201,000 | 145,242,000 | 143,163,000 |
| Total loans | 68,202,000 | 69,611,000 | 73,135,000 | 68,860,000 |
| Allowance for loan losses | 1,028,000 | 1,029,000 | 1,029,000 | 1,033,000 |
| Securities available for sale | 73,347,000 | 60,687,000 | 64,035,000 | 63,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,021,000 | 120,933,000 | 119,109,000 | 123,246,000 |
| Interest-bearing deposits | 100,928,000 | 102,104,000 | 99,116,000 | 100,759,000 |
| Noninterest-bearing deposits | 19,093,000 | 18,829,000 | 19,993,000 | 22,487,000 |
| Equity capital | 13,901,000 | 15,148,000 | 15,252,000 | 15,721,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,462,000 | 2,953,000 | 4,442,000 | 5,896,000 |
| Interest expense | 268,000 | 527,000 | 773,000 | 1,007,000 |
| Net interest income | 1,194,000 | 2,426,000 | 3,669,000 | 4,889,000 |
| Noninterest income | 111,000 | 221,000 | 343,000 | 465,000 |
| Noninterest expense | 800,000 | 1,592,000 | 2,395,000 | 3,149,000 |
| Provision for loan losses | 48,000 | 51,000 | 51,000 | 64,000 |
| Pretax income | 457,000 | 1,004,000 | 1,566,000 | 2,141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 457,000 | 1,004,000 | 1,566,000 | 2,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,636,000 | 12,093,000 | 12,505,000 | 12,929,000 |
| Total capital | 12,664,000 | 13,122,000 | 13,534,000 | 13,962,000 |
| Risk-weighted assets | 89,805,000 | 88,605,000 | 92,387,000 | 89,188,000 |