Call reports 2015
EXCHANGE BANK AND TRUST COMPANY — 2015
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 285,606,000 | 277,086,000 | 277,024,000 | 273,933,000 |
| Total loans | 178,544,000 | 179,508,000 | 183,423,000 | 183,439,000 |
| Allowance for loan losses | 2,688,000 | 2,691,000 | 2,702,000 | 2,616,000 |
| Securities available for sale | 93,803,000 | 83,836,000 | 79,160,000 | 75,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,179,000 | 245,280,000 | 240,298,000 | 240,482,000 |
| Interest-bearing deposits | 204,002,000 | 201,727,000 | 198,152,000 | 199,442,000 |
| Noninterest-bearing deposits | 45,177,000 | 43,553,000 | 42,146,000 | 41,040,000 |
| Equity capital | 27,402,000 | 27,153,000 | 28,190,000 | 28,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,039,000 | 6,041,000 | 9,065,000 | 12,125,000 |
| Interest expense | 302,000 | 583,000 | 862,000 | 1,146,000 |
| Net interest income | 2,737,000 | 5,458,000 | 8,203,000 | 10,979,000 |
| Noninterest income | 680,000 | 1,525,000 | 2,357,000 | 3,022,000 |
| Noninterest expense | 1,727,000 | 3,613,000 | 5,510,000 | 7,479,000 |
| Provision for loan losses | 135,000 | 280,000 | 430,000 | 580,000 |
| Pretax income | 1,580,000 | 3,108,000 | 4,644,000 | 5,998,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,580,000 | 3,108,000 | 4,644,000 | 5,998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,592,000 | 26,201,000 | 26,867,000 | 27,350,000 |
| Total capital | 27,887,000 | 28,486,000 | 29,200,000 | 29,685,000 |
| Risk-weighted assets | 183,281,000 | 182,252,000 | 186,294,000 | 186,486,000 |