Call reports 2009
FIRST EXCHANGE BANK — 2009
What FIRST EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 194,777,000 | 198,455,000 | 197,234,000 | 199,465,000 |
| Total loans | 179,562,000 | 183,568,000 | 185,055,000 | 184,351,000 |
| Allowance for loan losses | 1,828,000 | 1,920,000 | 2,018,000 | 2,128,000 |
| Securities available for sale | 2,429,000 | 2,327,000 | 2,293,000 | 2,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,804,000 | 176,564,000 | 175,755,000 | 178,451,000 |
| Interest-bearing deposits | 149,365,000 | 151,578,000 | 153,358,000 | 156,026,000 |
| Noninterest-bearing deposits | 23,439,000 | 24,985,000 | 22,398,000 | 22,425,000 |
| Equity capital | 13,804,000 | 14,223,000 | 14,421,000 | 14,227,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,043,000 | 6,167,000 | 9,249,000 | 12,318,000 |
| Interest expense | 1,152,000 | 2,288,000 | 3,372,000 | 4,387,000 |
| Net interest income | 1,891,000 | 3,879,000 | 5,877,000 | 7,931,000 |
| Noninterest income | 278,000 | 598,000 | 926,000 | 1,233,000 |
| Noninterest expense | 1,342,000 | 2,646,000 | 3,933,000 | 5,140,000 |
| Provision for loan losses | 151,000 | 303,000 | 911,000 | 1,793,000 |
| Pretax income | 676,000 | 1,528,000 | 1,959,000 | 2,231,000 |
| Income tax | -25,000 | -25,000 | -25,000 | -25,000 |
| Net income | 701,000 | 1,553,000 | 1,984,000 | 2,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,791,000 | 14,224,000 | 14,396,000 | 14,218,000 |
| Total capital | 15,619,000 | 16,144,000 | 16,271,000 | 16,161,000 |
| Risk-weighted assets | 151,793,000 | 155,208,000 | 155,814,000 | 154,494,000 |
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