Call reports 2010
EXCHANGE BANK AND TRUST COMPANY — 2010
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 171,431,000 | 177,655,000 | 175,064,000 | 184,817,000 |
| Total loans | 108,069,000 | 114,537,000 | 117,267,000 | 123,309,000 |
| Allowance for loan losses | 1,197,000 | 1,246,000 | 1,287,000 | 1,399,000 |
| Securities available for sale | 46,539,000 | 51,698,000 | 45,942,000 | 43,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,898,000 | 151,363,000 | 150,537,000 | 161,260,000 |
| Interest-bearing deposits | 134,543,000 | 135,986,000 | 137,263,000 | 147,977,000 |
| Noninterest-bearing deposits | 13,355,000 | 15,377,000 | 13,274,000 | 13,283,000 |
| Equity capital | 15,310,000 | 15,285,000 | 16,222,000 | 15,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,746,000 | 7,333,000 | 9,867,000 |
| Interest expense | 564,000 | 1,107,000 | 1,628,000 | 2,128,000 |
| Net interest income | 1,754,000 | 3,639,000 | 5,705,000 | 7,739,000 |
| Noninterest income | 246,000 | 519,000 | 785,000 | 1,069,000 |
| Noninterest expense | 1,356,000 | 2,682,000 | 4,121,000 | 5,532,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 419,000 | 767,000 | 1,616,000 | 2,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 419,000 | 767,000 | 1,616,000 | 2,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,801,000 | 13,754,000 | 14,403,000 | 14,945,000 |
| Total capital | 14,998,000 | 15,000,000 | 15,690,000 | 16,344,000 |
| Risk-weighted assets | 112,442,000 | 116,450,000 | 114,445,000 | 121,530,000 |
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