Call reports 2010
EXCHANGE BANK OF ALABAMA, THE — 2010
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 243,160,000 | 241,149,000 | 240,235,000 | 243,853,000 |
| Total loans | 177,926,000 | 177,367,000 | 171,889,000 | 171,558,000 |
| Allowance for loan losses | 4,172,000 | 2,768,000 | 1,610,000 | 2,007,000 |
| Securities available for sale | 35,360,000 | 38,641,000 | 38,447,000 | 41,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,863,000 | 212,693,000 | 211,152,000 | 215,311,000 |
| Interest-bearing deposits | 180,636,000 | 179,684,000 | 178,024,000 | 180,873,000 |
| Noninterest-bearing deposits | 33,227,000 | 33,009,000 | 33,128,000 | 34,438,000 |
| Equity capital | 26,006,000 | 24,978,000 | 25,750,000 | 25,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,807,000 | 5,762,000 | 8,640,000 | 11,520,000 |
| Interest expense | 865,000 | 1,582,000 | 2,310,000 | 2,946,000 |
| Net interest income | 1,942,000 | 4,180,000 | 6,330,000 | 8,574,000 |
| Noninterest income | 430,000 | 897,000 | 1,458,000 | 1,944,000 |
| Noninterest expense | 1,735,000 | 3,394,000 | 5,161,000 | 6,883,000 |
| Provision for loan losses | 575,000 | 2,755,000 | 2,955,000 | 3,655,000 |
| Pretax income | 93,000 | -1,039,000 | -285,000 | 23,000 |
| Income tax | 4,000 | 15,000 | -25,000 | -14,000 |
| Net income | 89,000 | -1,054,000 | -260,000 | 37,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,059,000 | 24,917,000 | 25,710,000 | 26,008,000 |
| Total capital | 28,550,000 | 27,391,000 | 27,320,000 | 28,015,000 |
| Risk-weighted assets | 197,604,000 | 197,680,000 | 194,628,000 | 193,570,000 |
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