Call reports 2007
EXCHANGE BANK AND TRUST COMPANY — 2007
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 119,280,000 | 114,530,000 | 117,543,000 | 123,413,000 |
| Total loans | 74,370,000 | 75,685,000 | 73,212,000 | 73,733,000 |
| Allowance for loan losses | 1,069,000 | 1,156,000 | 1,205,000 | 1,225,000 |
| Securities available for sale | 33,514,000 | 29,552,000 | 29,620,000 | 34,833,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,522,000 | 103,771,000 | 106,117,000 | 111,450,000 |
| Interest-bearing deposits | 82,337,000 | 93,087,000 | 96,299,000 | 101,933,000 |
| Noninterest-bearing deposits | 25,185,000 | 10,684,000 | 9,818,000 | 9,517,000 |
| Equity capital | 10,485,000 | 10,139,000 | 10,718,000 | 11,297,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,062,000 | 6,098,000 | 8,142,000 |
| Interest expense | 949,000 | 1,914,000 | 2,868,000 | 3,825,000 |
| Net interest income | 1,039,000 | 2,148,000 | 3,230,000 | 4,317,000 |
| Noninterest income | 247,000 | 513,000 | 799,000 | 1,129,000 |
| Noninterest expense | 834,000 | 1,704,000 | 2,580,000 | 3,445,000 |
| Provision for loan losses | 87,000 | 174,000 | 261,000 | 348,000 |
| Pretax income | 365,000 | 787,000 | 1,203,000 | 1,668,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 787,000 | 1,203,000 | 1,668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,438,000 | 10,645,000 | 10,812,000 | 11,017,000 |
| Total capital | 11,427,000 | 11,633,000 | 11,828,000 | 12,037,000 |
| Risk-weighted assets | 79,030,000 | 78,832,000 | 81,084,000 | 81,385,000 |
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