Call reports 2017
EXCHANGE BANK CO. — 2017
What EXCHANGE BANK CO. reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 148,578,000 | 147,541,000 | 147,548,000 | 146,092,000 |
| Total loans | 93,952,000 | 96,902,000 | 100,207,000 | 99,554,000 |
| Allowance for loan losses | 962,000 | 998,000 | 1,045,000 | 1,133,000 |
| Securities available for sale | 37,582,000 | 37,081,000 | 35,404,000 | 34,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,614,000 | 127,278,000 | 125,073,000 | 123,947,000 |
| Interest-bearing deposits | 98,652,000 | 98,761,000 | 97,315,000 | 93,060,000 |
| Noninterest-bearing deposits | 30,962,000 | 28,517,000 | 27,758,000 | 30,887,000 |
| Equity capital | 16,853,000 | 17,597,000 | 17,739,000 | 17,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,414,000 | 2,851,000 | 4,349,000 | 6,117,000 |
| Interest expense | 136,000 | 275,000 | 418,000 | 561,000 |
| Net interest income | 1,278,000 | 2,576,000 | 3,931,000 | 5,556,000 |
| Noninterest income | 126,000 | 251,000 | 381,000 | 475,000 |
| Noninterest expense | 971,000 | 1,967,000 | 2,966,000 | 3,897,000 |
| Provision for loan losses | 76,000 | 113,000 | 205,000 | 242,000 |
| Pretax income | 357,000 | 747,000 | 1,141,000 | 1,892,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 357,000 | 747,000 | 1,141,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,677,000 | 14,917,000 | 15,161,000 | 15,494,000 |
| Total capital | 15,639,000 | 15,915,000 | 16,206,000 | 16,627,000 |
| Risk-weighted assets | 112,960,000 | 114,823,000 | 116,569,000 | 115,332,000 |