Call reports 2014
FIRST EXCHANGE BANK — 2014
What FIRST EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 204,125,000 | 202,166,000 | 201,022,000 | 206,428,000 |
| Total loans | 153,685,000 | 156,461,000 | 153,498,000 | 161,275,000 |
| Allowance for loan losses | 2,794,000 | 2,863,000 | 2,413,000 | 2,512,000 |
| Securities available for sale | 21,720,000 | 26,924,000 | 31,656,000 | 29,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,962,000 | 182,673,000 | 181,131,000 | 180,911,000 |
| Interest-bearing deposits | 153,543,000 | 149,818,000 | 146,933,000 | 145,123,000 |
| Noninterest-bearing deposits | 31,419,000 | 32,855,000 | 34,198,000 | 35,788,000 |
| Equity capital | 18,590,000 | 18,956,000 | 19,047,000 | 19,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,035,000 | 4,084,000 | 6,182,000 | 8,356,000 |
| Interest expense | 394,000 | 766,000 | 1,128,000 | 1,465,000 |
| Net interest income | 1,641,000 | 3,318,000 | 5,054,000 | 6,891,000 |
| Noninterest income | 306,000 | 680,000 | 1,076,000 | 1,400,000 |
| Noninterest expense | 1,418,000 | 2,794,000 | 4,368,000 | 5,783,000 |
| Provision for loan losses | 167,000 | 332,000 | 332,000 | 500,000 |
| Pretax income | 362,000 | 872,000 | 1,430,000 | 2,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 362,000 | 872,000 | 1,430,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,656,000 | 18,773,000 | 18,942,000 | 19,519,000 |
| Total capital | 20,304,000 | 20,470,000 | 20,630,000 | 21,307,000 |
| Risk-weighted assets | 130,641,000 | 134,576,000 | 134,350,000 | 142,335,000 |