Call reports 2014
EXCHANGE BANK CO. — 2014
What EXCHANGE BANK CO. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 146,173,000 | 147,902,000 | 144,056,000 | 145,251,000 |
| Total loans | 72,474,000 | 73,878,000 | 76,525,000 | 77,837,000 |
| Allowance for loan losses | 1,006,000 | 955,000 | 953,000 | 950,000 |
| Securities available for sale | 61,837,000 | 61,427,000 | 56,229,000 | 52,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,439,000 | 127,004,000 | 123,992,000 | 125,387,000 |
| Interest-bearing deposits | 102,617,000 | 104,471,000 | 102,293,000 | 100,738,000 |
| Noninterest-bearing deposits | 22,822,000 | 22,533,000 | 21,699,000 | 24,649,000 |
| Equity capital | 14,863,000 | 16,035,000 | 15,848,000 | 16,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,645,000 | 3,985,000 | 5,311,000 |
| Interest expense | 183,000 | 365,000 | 544,000 | 719,000 |
| Net interest income | 1,129,000 | 2,280,000 | 3,441,000 | 4,592,000 |
| Noninterest income | 102,000 | 232,000 | 359,000 | 484,000 |
| Noninterest expense | 890,000 | 1,694,000 | 2,562,000 | 3,377,000 |
| Provision for loan losses | 7,000 | 8,000 | 8,000 | 25,000 |
| Pretax income | 334,000 | 810,000 | 1,217,000 | 1,703,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 810,000 | 1,217,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,313,000 | 14,639,000 | 14,110,000 | 14,445,000 |
| Total capital | 15,319,000 | 15,594,000 | 15,063,000 | 15,395,000 |
| Risk-weighted assets | 95,718,000 | 97,043,000 | 98,337,000 | 98,231,000 |