Call reports 2016
FIRST EXCHANGE BANK — 2016
What FIRST EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 221,598,000 | 224,102,000 | 228,105,000 | 228,031,000 |
| Total loans | 186,950,000 | 189,992,000 | 195,015,000 | 196,711,000 |
| Allowance for loan losses | 2,356,000 | 2,375,000 | 2,437,000 | 2,459,000 |
| Securities available for sale | 21,964,000 | 20,969,000 | 19,959,000 | 18,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,240,000 | 186,796,000 | 185,134,000 | 183,989,000 |
| Interest-bearing deposits | 147,981,000 | 150,765,000 | 148,431,000 | 146,323,000 |
| Noninterest-bearing deposits | 35,258,000 | 36,032,000 | 36,702,000 | 37,667,000 |
| Equity capital | 22,065,000 | 22,513,000 | 22,759,000 | 23,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,429,000 | 4,811,000 | 7,246,000 | 9,755,000 |
| Interest expense | 276,000 | 547,000 | 807,000 | 1,046,000 |
| Net interest income | 2,153,000 | 4,264,000 | 6,439,000 | 8,709,000 |
| Noninterest income | 337,000 | 582,000 | 903,000 | 1,492,000 |
| Noninterest expense | 1,535,000 | 3,033,000 | 4,597,000 | 6,232,000 |
| Provision for loan losses | 5,000 | 54,000 | 116,000 | 201,000 |
| Pretax income | 950,000 | 1,759,000 | 2,629,000 | 3,768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 950,000 | 1,759,000 | 2,629,000 | 3,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,788,000 | 22,099,000 | 22,368,000 | 23,498,000 |
| Total capital | 23,781,000 | 24,130,000 | 24,418,000 | 25,582,000 |
| Risk-weighted assets | 159,047,000 | 162,100,000 | 163,646,000 | 166,383,000 |