Call reports 2006
EXCHANGE BANK AND TRUST COMPANY — 2006
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 115,873,000 | 115,316,000 | 117,842,000 | 115,047,000 |
| Total loans | 67,515,000 | 68,929,000 | 71,194,000 | 72,390,000 |
| Allowance for loan losses | 916,000 | 1,006,000 | 1,083,000 | 1,089,000 |
| Securities available for sale | 37,137,000 | 37,000,000 | 38,217,000 | 33,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,040,000 | 101,675,000 | 103,607,000 | 101,709,000 |
| Interest-bearing deposits | 92,757,000 | 91,771,000 | 92,554,000 | 92,323,000 |
| Noninterest-bearing deposits | 9,283,000 | 9,904,000 | 11,053,000 | 9,386,000 |
| Equity capital | 9,728,000 | 9,400,000 | 9,962,000 | 10,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,604,000 | 5,492,000 | 7,481,000 |
| Interest expense | 693,000 | 1,493,000 | 2,344,000 | 3,276,000 |
| Net interest income | 1,030,000 | 2,111,000 | 3,148,000 | 4,205,000 |
| Noninterest income | 239,000 | 510,000 | 769,000 | 1,063,000 |
| Noninterest expense | 833,000 | 1,652,000 | 2,476,000 | 3,305,000 |
| Provision for loan losses | 93,000 | 186,000 | 279,000 | 372,000 |
| Pretax income | 343,000 | 785,000 | 1,164,000 | 1,589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 343,000 | 785,000 | 1,164,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,812,000 | 9,999,000 | 10,127,000 | 10,312,000 |
| Total capital | 10,716,000 | 10,926,000 | 11,091,000 | 11,277,000 |
| Risk-weighted assets | 72,285,000 | 74,084,000 | 76,970,000 | 77,042,000 |
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