Call reports 2012
EXCHANGE BANK OF ALABAMA, THE — 2012
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 234,377,000 | 236,035,000 | 233,982,000 | 233,329,000 |
| Total loans | 157,319,000 | 155,865,000 | 157,169,000 | 160,445,000 |
| Allowance for loan losses | 2,068,000 | 1,832,000 | 1,717,000 | 2,021,000 |
| Securities available for sale | 44,006,000 | 43,310,000 | 42,043,000 | 45,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,795,000 | 207,323,000 | 204,558,000 | 203,941,000 |
| Interest-bearing deposits | 164,559,000 | 177,737,000 | 176,553,000 | 174,342,000 |
| Noninterest-bearing deposits | 41,236,000 | 29,586,000 | 28,005,000 | 29,599,000 |
| Equity capital | 25,576,000 | 25,782,000 | 26,430,000 | 26,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,569,000 | 5,074,000 | 7,491,000 | 9,928,000 |
| Interest expense | 350,000 | 681,000 | 1,011,000 | 1,321,000 |
| Net interest income | 2,219,000 | 4,393,000 | 6,480,000 | 8,607,000 |
| Noninterest income | 185,000 | -195,000 | 364,000 | 893,000 |
| Noninterest expense | 1,886,000 | 3,667,000 | 5,483,000 | 7,351,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 300,000 |
| Pretax income | 560,000 | 576,000 | 1,206,000 | 1,894,000 |
| Income tax | 4,000 | 6,000 | 16,000 | 457,000 |
| Net income | 556,000 | 570,000 | 1,190,000 | 1,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,443,000 | 25,457,000 | 26,077,000 | 26,324,000 |
| Total capital | 27,511,000 | 27,289,000 | 27,794,000 | 28,345,000 |
| Risk-weighted assets | 174,410,000 | 170,115,000 | 167,080,000 | 168,282,000 |
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