Call reports 2008
FIRST EXCHANGE BANK — 2008
What FIRST EXCHANGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 174,057,000 | 177,270,000 | 183,093,000 | 188,760,000 |
| Total loans | 156,836,000 | 163,417,000 | 169,932,000 | 176,156,000 |
| Allowance for loan losses | 1,653,000 | 1,693,000 | 1,709,000 | 1,748,000 |
| Securities available for sale | 4,033,000 | 2,846,000 | 2,687,000 | 2,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,962,000 | 154,888,000 | 152,607,000 | 159,186,000 |
| Interest-bearing deposits | 126,074,000 | 130,878,000 | 128,758,000 | 136,120,000 |
| Noninterest-bearing deposits | 24,889,000 | 24,010,000 | 23,849,000 | 23,066,000 |
| Equity capital | 12,533,000 | 12,878,000 | 13,307,000 | 13,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,029,000 | 6,108,000 | 9,203,000 | 12,322,000 |
| Interest expense | 1,164,000 | 2,331,000 | 3,490,000 | 4,646,000 |
| Net interest income | 1,865,000 | 3,777,000 | 5,713,000 | 7,676,000 |
| Noninterest income | 267,000 | 567,000 | 882,000 | 1,174,000 |
| Noninterest expense | 1,205,000 | 2,355,000 | 3,537,000 | 4,858,000 |
| Provision for loan losses | 122,000 | 243,000 | 365,000 | 492,000 |
| Pretax income | 805,000 | 1,746,000 | 2,693,000 | 3,500,000 |
| Income tax | 298,000 | 626,000 | 967,000 | 1,266,000 |
| Net income | 507,000 | 1,120,000 | 1,726,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,532,000 | 12,937,000 | 13,336,000 | 13,517,000 |
| Total capital | 14,185,000 | 14,630,000 | 15,045,000 | 15,265,000 |
| Risk-weighted assets | 135,238,000 | 138,601,000 | 141,212,000 | 148,805,000 |
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