Call reports 2013
EXCHANGE BANK AND TRUST COMPANY — 2013
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 242,406,000 | 242,535,000 | 249,397,000 | 251,818,000 |
| Total loans | 149,252,000 | 151,502,000 | 147,801,000 | 150,430,000 |
| Allowance for loan losses | 2,223,000 | 2,289,000 | 2,347,000 | 2,376,000 |
| Securities available for sale | 71,653,000 | 75,788,000 | 82,498,000 | 83,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,089,000 | 216,390,000 | 224,540,000 | 226,236,000 |
| Interest-bearing deposits | 192,505,000 | 193,386,000 | 192,908,000 | 192,505,000 |
| Noninterest-bearing deposits | 22,584,000 | 23,004,000 | 31,632,000 | 33,731,000 |
| Equity capital | 21,705,000 | 20,454,000 | 20,386,000 | 21,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,587,000 | 5,217,000 | 7,877,000 | 10,663,000 |
| Interest expense | 394,000 | 787,000 | 1,174,000 | 1,519,000 |
| Net interest income | 2,193,000 | 4,430,000 | 6,703,000 | 9,144,000 |
| Noninterest income | 564,000 | 1,315,000 | 1,951,000 | 2,772,000 |
| Noninterest expense | 1,524,000 | 3,110,000 | 4,692,000 | 6,430,000 |
| Provision for loan losses | 150,000 | 282,000 | 405,000 | 528,000 |
| Pretax income | 1,104,000 | 2,374,000 | 3,578,000 | 4,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,104,000 | 2,374,000 | 3,578,000 | 4,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,090,000 | 20,690,000 | 21,221,000 | 21,706,000 |
| Total capital | 21,959,000 | 22,612,000 | 23,153,000 | 23,648,000 |
| Risk-weighted assets | 149,076,000 | 153,702,000 | 153,370,000 | 155,128,000 |