Call reports 2013
FIRST EXCHANGE BANK — 2013
What FIRST EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 204,107,000 | 203,599,000 | 202,934,000 | 204,425,000 |
| Total loans | 153,686,000 | 156,455,000 | 154,612,000 | 153,230,000 |
| Allowance for loan losses | 2,684,000 | 2,870,000 | 2,748,000 | 2,823,000 |
| Securities available for sale | 21,347,000 | 21,466,000 | 20,773,000 | 21,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,082,000 | 185,242,000 | 184,289,000 | 185,818,000 |
| Interest-bearing deposits | 152,681,000 | 152,655,000 | 152,699,000 | 154,618,000 |
| Noninterest-bearing deposits | 32,401,000 | 32,587,000 | 31,590,000 | 31,200,000 |
| Equity capital | 18,436,000 | 17,792,000 | 18,060,000 | 18,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,391,000 | 6,517,000 | 8,612,000 |
| Interest expense | 465,000 | 912,000 | 1,356,000 | 1,785,000 |
| Net interest income | 1,729,000 | 3,479,000 | 5,161,000 | 6,827,000 |
| Noninterest income | 326,000 | 345,000 | 686,000 | 952,000 |
| Noninterest expense | 1,470,000 | 2,769,000 | 4,185,000 | 5,556,000 |
| Provision for loan losses | 144,000 | 384,000 | 400,000 | 821,000 |
| Pretax income | 441,000 | 671,000 | 1,262,000 | 1,402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 441,000 | 671,000 | 1,262,000 | 1,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,191,000 | 17,949,000 | 18,155,000 | 18,294,000 |
| Total capital | 19,872,000 | 19,663,000 | 19,846,000 | 19,927,000 |
| Risk-weighted assets | 133,101,000 | 135,963,000 | 134,253,000 | 129,384,000 |