Call reports 2006
EXCHANGE BANK — 2006
What EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,726,000 | 107,363,000 | 109,825,000 | 113,539,000 |
| Total loans | 60,355,000 | 62,813,000 | 65,567,000 | 68,286,000 |
| Allowance for loan losses | 2,436,000 | 2,294,000 | 2,194,000 | 2,206,000 |
| Securities available for sale | 37,970,000 | 38,960,000 | 38,690,000 | 37,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,762,000 | 88,506,000 | 89,555,000 | 96,352,000 |
| Interest-bearing deposits | 78,773,000 | 83,265,000 | 85,581,000 | 92,112,000 |
| Noninterest-bearing deposits | 3,989,000 | 5,241,000 | 3,974,000 | 4,240,000 |
| Equity capital | 8,531,000 | 8,304,000 | 9,041,000 | 9,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,563,000 | 3,157,000 | 4,825,000 | 6,546,000 |
| Interest expense | 759,000 | 1,634,000 | 2,601,000 | 3,649,000 |
| Net interest income | 804,000 | 1,523,000 | 2,224,000 | 2,897,000 |
| Noninterest income | 106,000 | 219,000 | 349,000 | 486,000 |
| Noninterest expense | 741,000 | 1,491,000 | 2,116,000 | 2,779,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 139,000 | 198,000 | 375,000 | 495,000 |
| Income tax | 5,000 | 8,000 | 14,000 | 20,000 |
| Net income | 134,000 | 190,000 | 361,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,601,000 | 8,656,000 | 8,828,000 | 9,242,000 |
| Total capital | 9,607,000 | 9,686,000 | 9,888,000 | 10,340,000 |
| Risk-weighted assets | 79,072,000 | 81,106,000 | 83,669,000 | 86,731,000 |
Machine access — free, no API key
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