Call reports 2016
EXCHANGE BANK OF ALABAMA, THE — 2016
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 283,307,000 | 286,589,000 | 280,882,000 | 272,932,000 |
| Total loans | 166,143,000 | 166,111,000 | 163,199,000 | 167,628,000 |
| Allowance for loan losses | 2,266,000 | 2,218,000 | 2,211,000 | 2,211,000 |
| Securities available for sale | 58,638,000 | 63,960,000 | 63,798,000 | 64,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,202,000 | 248,239,000 | 241,655,000 | 236,509,000 |
| Interest-bearing deposits | 208,628,000 | 207,464,000 | 202,155,000 | 200,640,000 |
| Noninterest-bearing deposits | 37,574,000 | 40,775,000 | 39,500,000 | 35,869,000 |
| Equity capital | 33,253,000 | 34,086,000 | 34,640,000 | 33,941,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,413,000 | 4,834,000 | 7,289,000 | 9,702,000 |
| Interest expense | 272,000 | 553,000 | 835,000 | 1,108,000 |
| Net interest income | 2,141,000 | 4,281,000 | 6,454,000 | 8,594,000 |
| Noninterest income | 452,000 | 790,000 | 1,239,000 | 1,689,000 |
| Noninterest expense | 1,832,000 | 3,494,000 | 5,225,000 | 7,143,000 |
| Provision for loan losses | 0 | 0 | 0 | 2,000 |
| Pretax income | 832,000 | 1,650,000 | 2,616,000 | 3,322,000 |
| Income tax | 286,000 | 561,000 | 878,000 | 1,039,000 |
| Net income | 546,000 | 1,089,000 | 1,738,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,043,000 | 33,586,000 | 34,116,000 | 34,661,000 |
| Total capital | 35,285,000 | 35,804,000 | 36,327,000 | 36,872,000 |
| Risk-weighted assets | 179,359,000 | 181,227,000 | 178,716,000 | 181,926,000 |
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