Call reports 2015
EXCHANGE BANK CO. — 2015
What EXCHANGE BANK CO. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 147,288,000 | 144,593,000 | 143,510,000 | 145,723,000 |
| Total loans | 77,711,000 | 77,989,000 | 81,318,000 | 81,870,000 |
| Allowance for loan losses | 1,022,000 | 1,024,000 | 1,025,000 | 1,030,000 |
| Securities available for sale | 49,901,000 | 45,424,000 | 43,814,000 | 43,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,034,000 | 124,857,000 | 123,434,000 | 127,933,000 |
| Interest-bearing deposits | 102,456,000 | 101,861,000 | 99,718,000 | 101,731,000 |
| Noninterest-bearing deposits | 24,578,000 | 22,996,000 | 23,716,000 | 26,202,000 |
| Equity capital | 17,491,000 | 16,971,000 | 17,666,000 | 15,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,625,000 | 3,965,000 | 5,318,000 |
| Interest expense | 164,000 | 329,000 | 488,000 | 642,000 |
| Net interest income | 1,153,000 | 2,296,000 | 3,477,000 | 4,676,000 |
| Noninterest income | 122,000 | 261,000 | 395,000 | 289,000 |
| Noninterest expense | 903,000 | 1,843,000 | 2,785,000 | 3,864,000 |
| Provision for loan losses | 18,000 | 20,000 | 20,000 | 28,000 |
| Pretax income | 354,000 | 694,000 | 1,074,000 | 1,080,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 354,000 | 694,000 | 1,074,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,649,000 | 14,839,000 | 15,069,000 | 13,511,000 |
| Total capital | 15,671,000 | 15,863,000 | 16,094,000 | 14,541,000 |
| Risk-weighted assets | 99,919,000 | 99,264,000 | 101,126,000 | 101,158,000 |