Call reports 2009
EXCHANGE BANK OF ALABAMA, THE — 2009
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 251,312,000 | 246,682,000 | 247,420,000 | 246,584,000 |
| Total loans | 165,692,000 | 172,794,000 | 173,343,000 | 176,154,000 |
| Allowance for loan losses | 2,076,000 | 2,292,000 | 3,230,000 | 3,820,000 |
| Securities available for sale | 51,734,000 | 45,535,000 | 43,577,000 | 43,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,304,000 | 207,015,000 | 207,799,000 | 207,612,000 |
| Interest-bearing deposits | 181,616,000 | 175,894,000 | 176,955,000 | 178,770,000 |
| Noninterest-bearing deposits | 28,688,000 | 31,121,000 | 30,844,000 | 28,842,000 |
| Equity capital | 27,012,000 | 25,520,000 | 25,808,000 | 25,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,047,000 | 5,964,000 | 8,983,000 | 11,964,000 |
| Interest expense | 1,296,000 | 2,589,000 | 3,762,000 | 4,805,000 |
| Net interest income | 1,751,000 | 3,375,000 | 5,221,000 | 7,159,000 |
| Noninterest income | 402,000 | 843,000 | 1,410,000 | 1,985,000 |
| Noninterest expense | 1,768,000 | 3,853,000 | 5,530,000 | 7,336,000 |
| Provision for loan losses | 375,000 | 1,625,000 | 2,670,000 | 3,270,000 |
| Pretax income | 10,000 | -1,257,000 | -1,567,000 | -1,460,000 |
| Income tax | 10,000 | -113,000 | -225,000 | -219,000 |
| Net income | 197,000 | -947,000 | -1,145,000 | -1,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,461,000 | 26,066,000 | 25,868,000 | 25,970,000 |
| Total capital | 29,537,000 | 28,358,000 | 28,326,000 | 28,468,000 |
| Risk-weighted assets | 190,168,000 | 202,945,000 | 195,880,000 | 198,525,000 |
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