Call reports 2014
EXCHANGE BANK AND TRUST COMPANY — 2014
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 269,597,000 | 268,036,000 | 280,351,000 | 288,045,000 |
| Total loans | 151,803,000 | 153,972,000 | 161,766,000 | 166,685,000 |
| Allowance for loan losses | 2,384,000 | 2,465,000 | 2,551,000 | 2,573,000 |
| Securities available for sale | 91,230,000 | 95,105,000 | 94,782,000 | 98,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,793,000 | 240,451,000 | 253,113,000 | 259,958,000 |
| Interest-bearing deposits | 204,136,000 | 193,937,000 | 195,312,000 | 200,157,000 |
| Noninterest-bearing deposits | 39,657,000 | 46,514,000 | 57,801,000 | 59,801,000 |
| Equity capital | 22,719,000 | 24,433,000 | 25,288,000 | 26,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,712,000 | 5,527,000 | 8,462,000 | 11,369,000 |
| Interest expense | 325,000 | 645,000 | 959,000 | 1,262,000 |
| Net interest income | 2,387,000 | 4,882,000 | 7,503,000 | 10,107,000 |
| Noninterest income | 632,000 | 1,362,000 | 2,208,000 | 3,030,000 |
| Noninterest expense | 1,651,000 | 3,319,000 | 5,105,000 | 6,926,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 1,233,000 | 2,854,000 | 4,446,000 | 5,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,233,000 | 2,854,000 | 4,446,000 | 5,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,289,000 | 23,259,000 | 24,077,000 | 24,779,000 |
| Total capital | 24,262,000 | 25,221,000 | 26,147,000 | 26,885,000 |
| Risk-weighted assets | 157,399,000 | 156,470,000 | 165,080,000 | 168,278,000 |
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