Call reports 2006
FIRST EXCHANGE BANK — 2006
What FIRST EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 142,079,000 | 145,655,000 | 147,784,000 | 152,151,000 |
| Total loans | 124,447,000 | 131,309,000 | 134,474,000 | 139,068,000 |
| Allowance for loan losses | 1,239,000 | 1,220,000 | 1,259,000 | 1,242,000 |
| Securities available for sale | 4,949,000 | 4,776,000 | 4,704,000 | 4,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,573,000 | 127,782,000 | 128,337,000 | 133,792,000 |
| Interest-bearing deposits | 104,277,000 | 107,024,000 | 108,063,000 | 113,963,000 |
| Noninterest-bearing deposits | 21,295,000 | 20,758,000 | 20,274,000 | 19,829,000 |
| Equity capital | 10,177,000 | 10,835,000 | 11,199,000 | 11,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,111,000 | 4,408,000 | 6,879,000 | 9,505,000 |
| Interest expense | 683,000 | 1,437,000 | 2,299,000 | 3,247,000 |
| Net interest income | 1,428,000 | 2,971,000 | 4,580,000 | 6,258,000 |
| Noninterest income | 223,000 | 480,000 | 765,000 | 1,038,000 |
| Noninterest expense | 1,099,000 | 2,202,000 | 3,234,000 | 4,298,000 |
| Provision for loan losses | 74,000 | 157,000 | 238,000 | 383,000 |
| Pretax income | 478,000 | 1,092,000 | 1,873,000 | 2,615,000 |
| Income tax | 171,000 | 396,000 | 682,000 | 949,000 |
| Net income | 307,000 | 696,000 | 1,191,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,273,000 | 10,980,000 | 11,281,000 | 11,453,000 |
| Total capital | 11,512,000 | 12,201,000 | 12,540,000 | 12,695,000 |
| Risk-weighted assets | 109,479,000 | 111,434,000 | 112,890,000 | 116,459,000 |
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