Call reports 2015
EXCHANGE BANK OF ALABAMA, THE — 2015
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 258,575,000 | 259,358,000 | 262,074,000 | 269,970,000 |
| Total loans | 156,743,000 | 157,765,000 | 164,288,000 | 166,367,000 |
| Allowance for loan losses | 2,471,000 | 2,247,000 | 2,261,000 | 2,253,000 |
| Securities available for sale | 57,738,000 | 53,011,000 | 55,670,000 | 60,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,584,000 | 225,145,000 | 226,691,000 | 233,867,000 |
| Interest-bearing deposits | 190,322,000 | 190,882,000 | 192,917,000 | 199,350,000 |
| Noninterest-bearing deposits | 34,262,000 | 34,263,000 | 33,774,000 | 34,517,000 |
| Equity capital | 31,205,000 | 31,164,000 | 31,998,000 | 32,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,337,000 | 4,672,000 | 7,001,000 | 9,404,000 |
| Interest expense | 270,000 | 528,000 | 789,000 | 1,054,000 |
| Net interest income | 2,067,000 | 4,144,000 | 6,212,000 | 8,350,000 |
| Noninterest income | 403,000 | 834,000 | 1,341,000 | 1,761,000 |
| Noninterest expense | 1,718,000 | 3,406,000 | 5,045,000 | 6,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 764,000 | 1,689,000 | 2,632,000 | 3,467,000 |
| Income tax | 271,000 | 588,000 | 897,000 | 1,162,000 |
| Net income | 493,000 | 1,101,000 | 1,735,000 | 2,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,006,000 | 31,614,000 | 32,128,000 | 32,698,000 |
| Total capital | 33,011,000 | 33,648,000 | 34,292,000 | 34,924,000 |
| Risk-weighted assets | 155,458,000 | 162,534,000 | 172,996,000 | 178,052,000 |