Call reports 2009
EXCHANGE BANK AND TRUST COMPANY — 2009
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 153,117,000 | 154,555,000 | 162,866,000 | 170,217,000 |
| Total loans | 83,748,000 | 91,699,000 | 100,094,000 | 105,570,000 |
| Allowance for loan losses | 1,334,000 | 1,271,000 | 1,402,000 | 1,147,000 |
| Securities available for sale | 53,702,000 | 50,211,000 | 50,177,000 | 48,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,065,000 | 125,930,000 | 136,491,000 | 143,425,000 |
| Interest-bearing deposits | 119,324,000 | 114,231,000 | 123,343,000 | 130,895,000 |
| Noninterest-bearing deposits | 11,741,000 | 11,699,000 | 13,148,000 | 12,530,000 |
| Equity capital | 13,280,000 | 13,388,000 | 14,598,000 | 15,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,249,000 | 4,568,000 | 6,948,000 | 9,405,000 |
| Interest expense | 760,000 | 1,354,000 | 1,921,000 | 2,456,000 |
| Net interest income | 1,489,000 | 3,214,000 | 5,027,000 | 6,949,000 |
| Noninterest income | 247,000 | 529,000 | 934,000 | 1,229,000 |
| Noninterest expense | 1,147,000 | 2,412,000 | 3,777,000 | 5,220,000 |
| Provision for loan losses | 111,000 | 222,000 | 333,000 | 444,000 |
| Pretax income | 521,000 | 1,172,000 | 1,837,000 | 2,485,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 521,000 | 1,172,000 | 1,837,000 | 2,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,103,000 | 12,607,000 | 13,111,000 | 13,590,000 |
| Total capital | 13,300,000 | 13,839,000 | 14,436,000 | 14,737,000 |
| Risk-weighted assets | 95,583,000 | 98,564,000 | 105,898,000 | 109,636,000 |
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