Call reports 2007
EXCHANGE BANK — 2007
What EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,785,000 | 121,925,000 | 129,990,000 | 138,021,000 |
| Total loans | 75,777,000 | 81,672,000 | 89,221,000 | 88,859,000 |
| Allowance for loan losses | 2,267,000 | 2,335,000 | 2,352,000 | 2,352,000 |
| Securities available for sale | 36,503,000 | 35,495,000 | 35,473,000 | 41,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,100,000 | 100,544,000 | 105,519,000 | 110,492,000 |
| Interest-bearing deposits | 96,002,000 | 96,529,000 | 100,662,000 | 105,079,000 |
| Noninterest-bearing deposits | 5,098,000 | 4,015,000 | 4,857,000 | 5,413,000 |
| Equity capital | 10,093,000 | 9,920,000 | 11,703,000 | 12,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,833,000 | 3,797,000 | 6,083,000 | 8,274,000 |
| Interest expense | 1,107,000 | 2,287,000 | 3,553,000 | 4,884,000 |
| Net interest income | 726,000 | 1,510,000 | 2,530,000 | 3,390,000 |
| Noninterest income | 84,000 | 181,000 | 281,000 | 457,000 |
| Noninterest expense | 617,000 | 1,190,000 | 1,867,000 | 2,579,000 |
| Provision for loan losses | 30,000 | 60,000 | -100,000 | -100,000 |
| Pretax income | 161,000 | 436,000 | 1,025,000 | 1,353,000 |
| Income tax | 5,000 | 33,000 | 52,000 | 65,000 |
| Net income | 156,000 | 403,000 | 973,000 | 1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,708,000 | 9,955,000 | 11,526,000 | 11,840,000 |
| Total capital | 10,896,000 | 11,168,000 | 12,852,000 | 13,200,000 |
| Risk-weighted assets | 93,954,000 | 97,104,000 | 105,222,000 | 108,753,000 |
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