Call reports 2013
EXCHANGE BANK OF ALABAMA, THE — 2013
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 241,279,000 | 243,990,000 | 248,212,000 | 245,280,000 |
| Total loans | 160,123,000 | 159,751,000 | 161,224,000 | 159,698,000 |
| Allowance for loan losses | 2,341,000 | 2,221,000 | 2,194,000 | 2,008,000 |
| Securities available for sale | 49,647,000 | 48,529,000 | 50,812,000 | 57,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,376,000 | 214,180,000 | 217,703,000 | 214,775,000 |
| Interest-bearing deposits | 178,109,000 | 179,132,000 | 184,484,000 | 180,939,000 |
| Noninterest-bearing deposits | 33,267,000 | 35,048,000 | 33,219,000 | 33,836,000 |
| Equity capital | 26,924,000 | 26,524,000 | 26,851,000 | 27,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,671,000 | 7,073,000 | 9,498,000 |
| Interest expense | 292,000 | 584,000 | 864,000 | 1,147,000 |
| Net interest income | 2,041,000 | 4,087,000 | 6,209,000 | 8,351,000 |
| Noninterest income | 257,000 | 580,000 | 1,146,000 | 1,581,000 |
| Noninterest expense | 1,690,000 | 3,250,000 | 4,934,000 | 6,677,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 608,000 | 1,431,000 | 2,435,000 | 2,970,000 |
| Income tax | 173,000 | 390,000 | 738,000 | 322,000 |
| Net income | 435,000 | 1,041,000 | 1,697,000 | 2,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,679,000 | 27,285,000 | 27,841,000 | 28,792,000 |
| Total capital | 28,758,000 | 29,357,000 | 29,924,000 | 30,800,000 |
| Risk-weighted assets | 166,062,000 | 165,643,000 | 166,538,000 | 166,988,000 |
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