Call reports 2008
EXCHANGE BANK — 2008
What EXCHANGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 147,721,000 | 158,557,000 | 161,513,000 | 169,278,000 |
| Total loans | 89,105,000 | 99,220,000 | 104,598,000 | 109,937,000 |
| Allowance for loan losses | 3,057,000 | 2,244,000 | 2,269,000 | 2,350,000 |
| Securities available for sale | 51,235,000 | 51,565,000 | 48,348,000 | 47,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,360,000 | 117,072,000 | 125,242,000 | 132,165,000 |
| Interest-bearing deposits | 110,277,000 | 111,844,000 | 120,002,000 | 123,887,000 |
| Noninterest-bearing deposits | 5,083,000 | 5,228,000 | 5,240,000 | 8,278,000 |
| Equity capital | 11,615,000 | 11,406,000 | 9,834,000 | 9,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,302,000 | 4,797,000 | 7,335,000 | 9,976,000 |
| Interest expense | 1,347,000 | 2,648,000 | 3,955,000 | 5,283,000 |
| Net interest income | 955,000 | 2,149,000 | 3,380,000 | 4,693,000 |
| Noninterest income | 107,000 | 175,000 | 295,000 | 469,000 |
| Noninterest expense | 690,000 | 1,422,000 | 2,150,000 | 2,868,000 |
| Provision for loan losses | 0 | -700,000 | -700,000 | -700,000 |
| Pretax income | 372,000 | 1,624,000 | 1,732,000 | 2,170,000 |
| Income tax | 13,000 | 27,000 | 41,000 | 56,000 |
| Net income | 359,000 | 1,597,000 | 1,691,000 | 2,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,199,000 | 13,086,000 | 13,181,000 | 13,604,000 |
| Total capital | 13,673,000 | 14,678,000 | 14,804,000 | 15,334,000 |
| Risk-weighted assets | 116,330,000 | 128,230,000 | 129,194,000 | 137,744,000 |
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