Call reports 2013
EXCHANGE BANK CO. — 2013
What EXCHANGE BANK CO. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 142,186,000 | 145,085,000 | 143,592,000 | 147,624,000 |
| Total loans | 69,425,000 | 70,144,000 | 71,685,000 | 75,662,000 |
| Allowance for loan losses | 1,032,000 | 1,051,000 | 1,049,000 | 1,042,000 |
| Securities available for sale | 53,144,000 | 66,474,000 | 63,650,000 | 62,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,271,000 | 121,056,000 | 120,439,000 | 122,489,000 |
| Interest-bearing deposits | 100,258,000 | 100,492,000 | 98,288,000 | 98,019,000 |
| Noninterest-bearing deposits | 22,013,000 | 20,564,000 | 22,151,000 | 24,470,000 |
| Equity capital | 16,199,000 | 14,701,000 | 13,678,000 | 13,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,417,000 | 2,728,000 | 4,071,000 | 5,435,000 |
| Interest expense | 202,000 | 401,000 | 594,000 | 785,000 |
| Net interest income | 1,215,000 | 2,327,000 | 3,477,000 | 4,650,000 |
| Noninterest income | 108,000 | 216,000 | 330,000 | 446,000 |
| Noninterest expense | 791,000 | 1,625,000 | 2,472,000 | 3,261,000 |
| Provision for loan losses | 13,000 | 27,000 | 30,000 | 35,000 |
| Pretax income | 519,000 | 891,000 | 1,305,000 | 1,800,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 891,000 | 1,305,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,298,000 | 13,520,000 | 13,784,000 | 14,129,000 |
| Total capital | 14,330,000 | 14,571,000 | 14,833,000 | 15,171,000 |
| Risk-weighted assets | 91,939,000 | 93,013,000 | 94,331,000 | 98,379,000 |