Call reports 2014
EXCHANGE BANK OF ALABAMA, THE — 2014
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 252,171,000 | 251,576,000 | 250,945,000 | 249,353,000 |
| Total loans | 161,340,000 | 159,861,000 | 161,099,000 | 158,366,000 |
| Allowance for loan losses | 2,010,000 | 2,018,000 | 2,043,000 | 2,506,000 |
| Securities available for sale | 63,613,000 | 62,356,000 | 63,849,000 | 61,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,938,000 | 219,362,000 | 218,064,000 | 216,091,000 |
| Interest-bearing deposits | 185,495,000 | 186,394,000 | 185,710,000 | 184,680,000 |
| Noninterest-bearing deposits | 35,443,000 | 32,968,000 | 32,354,000 | 31,411,000 |
| Equity capital | 28,172,000 | 29,330,000 | 29,900,000 | 30,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,437,000 | 4,901,000 | 7,379,000 | 9,789,000 |
| Interest expense | 278,000 | 554,000 | 837,000 | 1,113,000 |
| Net interest income | 2,159,000 | 4,347,000 | 6,542,000 | 8,676,000 |
| Noninterest income | 444,000 | 1,141,000 | 1,341,000 | 1,840,000 |
| Noninterest expense | 1,722,000 | 3,356,000 | 4,973,000 | 6,581,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 888,000 | 2,161,000 | 2,969,000 | 4,011,000 |
| Income tax | 256,000 | 751,000 | 1,048,000 | 1,658,000 |
| Net income | 632,000 | 1,410,000 | 1,921,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,176,000 | 29,954,000 | 30,341,000 | 30,773,000 |
| Total capital | 31,186,000 | 31,972,000 | 32,384,000 | 32,811,000 |
| Risk-weighted assets | 167,392,000 | 165,584,000 | 166,713,000 | 162,604,000 |
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