Call reports 2011
FIRST EXCHANGE BANK — 2011
What FIRST EXCHANGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 204,285,000 | 203,973,000 | 198,730,000 | 200,855,000 |
| Total loans | 174,739,000 | 173,619,000 | 170,871,000 | 166,720,000 |
| Allowance for loan losses | 2,113,000 | 3,546,000 | 3,723,000 | 2,565,000 |
| Securities available for sale | 7,342,000 | 9,805,000 | 12,054,000 | 12,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,488,000 | 185,416,000 | 180,375,000 | 181,708,000 |
| Interest-bearing deposits | 157,263,000 | 158,451,000 | 154,564,000 | 154,771,000 |
| Noninterest-bearing deposits | 27,226,000 | 26,964,000 | 25,811,000 | 26,937,000 |
| Equity capital | 16,492,000 | 15,770,000 | 16,063,000 | 16,852,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,707,000 | 5,484,000 | 8,046,000 | 10,625,000 |
| Interest expense | 777,000 | 1,520,000 | 2,222,000 | 2,890,000 |
| Net interest income | 1,930,000 | 3,964,000 | 5,824,000 | 7,735,000 |
| Noninterest income | 258,000 | 556,000 | 787,000 | 1,039,000 |
| Noninterest expense | 1,407,000 | 2,819,000 | 4,066,000 | 5,503,000 |
| Provision for loan losses | 466,000 | 1,981,000 | 2,482,000 | 2,934,000 |
| Pretax income | 315,000 | -280,000 | 63,000 | 337,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 315,000 | -280,000 | 63,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,508,000 | 15,602,000 | 15,675,000 | 16,549,000 |
| Total capital | 18,387,000 | 17,465,000 | 17,522,000 | 18,269,000 |
| Risk-weighted assets | 149,343,000 | 146,574,000 | 145,157,000 | 138,578,000 |