Call reports 2008
EXCHANGE BANK AND TRUST COMPANY — 2008
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 135,251,000 | 135,341,000 | 137,655,000 | 146,683,000 |
| Total loans | 75,158,000 | 74,920,000 | 77,142,000 | 81,582,000 |
| Allowance for loan losses | 1,242,000 | 902,000 | 1,150,000 | 1,294,000 |
| Securities available for sale | 45,351,000 | 45,546,000 | 48,905,000 | 50,150,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,272,000 | 113,516,000 | 115,355,000 | 124,372,000 |
| Interest-bearing deposits | 103,467,000 | 103,214,000 | 104,946,000 | 113,955,000 |
| Noninterest-bearing deposits | 9,805,000 | 10,302,000 | 10,409,000 | 10,417,000 |
| Equity capital | 11,760,000 | 10,678,000 | 11,397,000 | 12,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,146,000 | 4,265,000 | 6,312,000 | 8,453,000 |
| Interest expense | 1,010,000 | 1,899,000 | 2,671,000 | 3,441,000 |
| Net interest income | 1,136,000 | 2,366,000 | 3,641,000 | 5,012,000 |
| Noninterest income | 273,000 | 560,000 | 845,000 | 1,175,000 |
| Noninterest expense | 865,000 | 1,809,000 | 2,824,000 | 3,848,000 |
| Provision for loan losses | 96,000 | 192,000 | 306,000 | 456,000 |
| Pretax income | 450,000 | 927,000 | 1,383,000 | 1,764,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 450,000 | 927,000 | 1,383,000 | 1,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,202,000 | 11,428,000 | 11,641,000 | 11,788,000 |
| Total capital | 12,289,000 | 12,330,000 | 12,729,000 | 12,916,000 |
| Risk-weighted assets | 86,789,000 | 85,879,000 | 86,955,000 | 90,279,000 |
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