Call reports 2015
FIRST EXCHANGE BANK — 2015
What FIRST EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 205,841,000 | 211,121,000 | 216,200,000 | 221,945,000 |
| Total loans | 165,282,000 | 172,949,000 | 179,806,000 | 186,087,000 |
| Allowance for loan losses | 2,664,000 | 2,689,000 | 2,668,000 | 2,319,000 |
| Securities available for sale | 27,521,000 | 24,957,000 | 23,941,000 | 22,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,241,000 | 178,341,000 | 180,090,000 | 184,034,000 |
| Interest-bearing deposits | 145,177,000 | 142,935,000 | 144,495,000 | 147,991,000 |
| Noninterest-bearing deposits | 37,064,000 | 35,407,000 | 35,595,000 | 36,044,000 |
| Equity capital | 20,459,000 | 20,461,000 | 21,068,000 | 21,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,111,000 | 4,342,000 | 6,688,000 | 9,086,000 |
| Interest expense | 295,000 | 563,000 | 829,000 | 1,108,000 |
| Net interest income | 1,816,000 | 3,779,000 | 5,859,000 | 7,978,000 |
| Noninterest income | 293,000 | 515,000 | 855,000 | 1,035,000 |
| Noninterest expense | 1,437,000 | 2,868,000 | 4,382,000 | 5,991,000 |
| Provision for loan losses | 172,000 | 181,000 | 184,000 | -93,000 |
| Pretax income | 500,000 | 1,245,000 | 2,148,000 | 3,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 500,000 | 1,245,000 | 2,148,000 | 3,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,020,000 | 20,332,000 | 20,771,000 | 21,239,000 |
| Total capital | 21,796,000 | 22,212,000 | 22,719,000 | 23,234,000 |
| Risk-weighted assets | 141,249,000 | 149,610,000 | 155,122,000 | 159,313,000 |