Call reports 2012
EXCHANGE BANK AND TRUST COMPANY — 2012
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 223,328,000 | 220,983,000 | 225,622,000 | 233,845,000 |
| Total loans | 141,045,000 | 148,216,000 | 150,921,000 | 149,783,000 |
| Allowance for loan losses | 1,779,000 | 1,921,000 | 2,086,000 | 2,214,000 |
| Securities available for sale | 62,039,000 | 61,281,000 | 62,377,000 | 66,498,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,991,000 | 190,786,000 | 198,243,000 | 206,649,000 |
| Interest-bearing deposits | 173,803,000 | 172,117,000 | 177,282,000 | 184,259,000 |
| Noninterest-bearing deposits | 19,188,000 | 18,669,000 | 20,961,000 | 22,390,000 |
| Equity capital | 19,681,000 | 20,481,000 | 21,593,000 | 21,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,202,000 | 7,875,000 | 10,504,000 |
| Interest expense | 477,000 | 927,000 | 1,358,000 | 1,768,000 |
| Net interest income | 2,089,000 | 4,275,000 | 6,517,000 | 8,736,000 |
| Noninterest income | 540,000 | 1,281,000 | 1,950,000 | 2,640,000 |
| Noninterest expense | 1,467,000 | 2,971,000 | 4,488,000 | 6,149,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,065,000 | 2,336,000 | 3,650,000 | 4,748,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,065,000 | 2,336,000 | 3,650,000 | 4,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,600,000 | 18,292,000 | 19,046,000 | 19,540,000 |
| Total capital | 19,362,000 | 20,103,000 | 20,903,000 | 21,402,000 |
| Risk-weighted assets | 140,928,000 | 144,807,000 | 148,341,000 | 148,828,000 |