Call reports 2016
EXCHANGE BANK AND TRUST COMPANY — 2016
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 270,590,000 | 271,512,000 | 273,400,000 | 273,805,000 |
| Total loans | 181,479,000 | 178,028,000 | 183,180,000 | 178,561,000 |
| Allowance for loan losses | 2,796,000 | 3,009,000 | 3,133,000 | 2,004,000 |
| Securities available for sale | 72,801,000 | 78,240,000 | 76,222,000 | 73,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,147,000 | 236,266,000 | 238,893,000 | 244,511,000 |
| Interest-bearing deposits | 198,418,000 | 194,722,000 | 197,232,000 | 201,979,000 |
| Noninterest-bearing deposits | 40,729,000 | 41,544,000 | 41,661,000 | 42,532,000 |
| Equity capital | 29,215,000 | 30,194,000 | 30,514,000 | 28,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,871,000 | 5,781,000 | 8,791,000 | 11,774,000 |
| Interest expense | 279,000 | 582,000 | 893,000 | 1,160,000 |
| Net interest income | 2,592,000 | 5,199,000 | 7,898,000 | 10,614,000 |
| Noninterest income | 561,000 | 1,780,000 | 2,566,000 | 3,294,000 |
| Noninterest expense | 1,924,000 | 4,343,000 | 6,461,000 | 8,640,000 |
| Provision for loan losses | 225,000 | 450,000 | 556,000 | 706,000 |
| Pretax income | 981,000 | 2,243,000 | 3,516,000 | 4,589,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 981,000 | 2,243,000 | 3,516,000 | 4,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,460,000 | 28,136,000 | 28,676,000 | 28,825,000 |
| Total capital | 29,778,000 | 30,432,000 | 31,011,000 | 30,829,000 |
| Risk-weighted assets | 184,929,000 | 182,946,000 | 186,037,000 | 182,825,000 |