Call reports 2012
FIRST EXCHANGE BANK — 2012
What FIRST EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 205,482,000 | 201,217,000 | 203,103,000 | 203,028,000 |
| Total loans | 162,578,000 | 157,983,000 | 153,890,000 | 150,019,000 |
| Allowance for loan losses | 3,092,000 | 3,211,000 | 3,613,000 | 2,597,000 |
| Securities available for sale | 15,857,000 | 19,098,000 | 20,967,000 | 21,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,082,000 | 182,723,000 | 184,444,000 | 184,290,000 |
| Interest-bearing deposits | 156,346,000 | 154,231,000 | 152,483,000 | 152,165,000 |
| Noninterest-bearing deposits | 30,736,000 | 28,493,000 | 31,961,000 | 32,125,000 |
| Equity capital | 16,821,000 | 17,317,000 | 17,866,000 | 18,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,482,000 | 4,896,000 | 7,248,000 | 9,417,000 |
| Interest expense | 612,000 | 1,171,000 | 1,702,000 | 2,202,000 |
| Net interest income | 1,870,000 | 3,725,000 | 5,546,000 | 7,215,000 |
| Noninterest income | 292,000 | 408,000 | 739,000 | 1,070,000 |
| Noninterest expense | 1,423,000 | 2,735,000 | 4,066,000 | 5,421,000 |
| Provision for loan losses | 976,000 | 1,261,000 | 1,687,000 | 1,915,000 |
| Pretax income | -237,000 | 137,000 | 532,000 | 949,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -237,000 | 137,000 | 532,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,563,000 | 16,937,000 | 17,332,000 | 17,749,000 |
| Total capital | 18,277,000 | 18,637,000 | 18,984,000 | 19,392,000 |
| Risk-weighted assets | 136,425,000 | 133,745,000 | 129,487,000 | 129,729,000 |