Call reports 2008
EXCHANGE BANK OF ALABAMA, THE — 2008
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 232,995,000 | 234,912,000 | 234,853,000 | 238,799,000 |
| Total loans | 161,512,000 | 165,481,000 | 164,876,000 | 165,275,000 |
| Allowance for loan losses | 3,882,000 | 3,896,000 | 2,546,000 | 3,026,000 |
| Securities available for sale | 44,633,000 | 49,260,000 | 50,747,000 | 49,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,016,000 | 194,966,000 | 191,884,000 | 199,359,000 |
| Interest-bearing deposits | 163,796,000 | 165,682,000 | 162,840,000 | 173,912,000 |
| Noninterest-bearing deposits | 29,220,000 | 29,284,000 | 29,044,000 | 25,447,000 |
| Equity capital | 26,864,000 | 26,713,000 | 26,911,000 | 26,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,466,000 | 6,694,000 | 10,001,000 | 13,062,000 |
| Interest expense | 1,523,000 | 2,932,000 | 4,208,000 | 5,484,000 |
| Net interest income | 1,943,000 | 3,762,000 | 5,793,000 | 7,578,000 |
| Noninterest income | 562,000 | 1,155,000 | 1,709,000 | 2,344,000 |
| Noninterest expense | 1,632,000 | 3,202,000 | 4,812,000 | 6,849,000 |
| Provision for loan losses | 75,000 | 150,000 | 650,000 | 2,091,000 |
| Pretax income | 808,000 | 1,579,000 | 2,056,000 | 1,000,000 |
| Income tax | 255,000 | 490,000 | 633,000 | 109,000 |
| Net income | 553,000 | 1,089,000 | 1,423,000 | 891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,075,000 | 27,611,000 | 27,796,000 | 27,264,000 |
| Total capital | 29,366,000 | 29,964,000 | 30,135,000 | 29,605,000 |
| Risk-weighted assets | 181,668,000 | 186,713,000 | 186,930,000 | 186,641,000 |
Machine access — free, no API key
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