Call reports 2016
EXCHANGE BANK CO. — 2016
What EXCHANGE BANK CO. reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 145,895,000 | 143,616,000 | 141,105,000 | 143,481,000 |
| Total loans | 80,779,000 | 84,698,000 | 87,503,000 | 91,798,000 |
| Allowance for loan losses | 1,040,000 | 1,040,000 | 1,039,000 | 898,000 |
| Securities available for sale | 43,775,000 | 42,544,000 | 40,294,000 | 38,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,838,000 | 123,891,000 | 121,021,000 | 124,563,000 |
| Interest-bearing deposits | 100,167,000 | 98,222,000 | 94,793,000 | 94,715,000 |
| Noninterest-bearing deposits | 27,671,000 | 25,669,000 | 26,228,000 | 29,848,000 |
| Equity capital | 16,351,000 | 17,188,000 | 17,350,000 | 16,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,673,000 | 4,029,000 | 5,418,000 |
| Interest expense | 148,000 | 293,000 | 435,000 | 573,000 |
| Net interest income | 1,187,000 | 2,380,000 | 3,594,000 | 4,845,000 |
| Noninterest income | 128,000 | 257,000 | 390,000 | 516,000 |
| Noninterest expense | 967,000 | 1,919,000 | 2,896,000 | 3,820,000 |
| Provision for loan losses | 9,000 | 10,000 | 10,000 | -90,000 |
| Pretax income | 359,000 | 737,000 | 1,107,000 | 1,660,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 359,000 | 737,000 | 1,107,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,720,000 | 13,947,000 | 14,168,000 | 14,470,000 |
| Total capital | 14,760,000 | 14,987,000 | 15,207,000 | 15,368,000 |
| Risk-weighted assets | 101,028,000 | 103,827,000 | 106,215,000 | 110,470,000 |