Call reports 2009
EXCHANGE BANK — 2009
What EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 172,583,000 | 177,994,000 | 181,293,000 | 189,788,000 |
| Total loans | 108,918,000 | 114,362,000 | 118,977,000 | 124,026,000 |
| Allowance for loan losses | 2,173,000 | 2,155,000 | 1,970,000 | 2,167,000 |
| Securities available for sale | 55,377,000 | 55,151,000 | 53,891,000 | 52,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,334,000 | 136,831,000 | 137,969,000 | 147,927,000 |
| Interest-bearing deposits | 129,140,000 | 130,883,000 | 132,836,000 | 141,486,000 |
| Noninterest-bearing deposits | 6,194,000 | 5,948,000 | 5,133,000 | 6,440,000 |
| Equity capital | 10,132,000 | 11,695,000 | 14,468,000 | 14,883,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,920,000 | 5,507,000 | 8,266,000 | 10,939,000 |
| Interest expense | 1,215,000 | 2,369,000 | 3,471,000 | 4,512,000 |
| Net interest income | 1,705,000 | 3,138,000 | 4,795,000 | 6,427,000 |
| Noninterest income | 112,000 | 262,000 | 401,000 | 613,000 |
| Noninterest expense | 749,000 | 1,648,000 | 2,434,000 | 3,292,000 |
| Provision for loan losses | 100,000 | 160,000 | 520,000 | 700,000 |
| Pretax income | 430,000 | 1,103,000 | 1,904,000 | 2,219,000 |
| Income tax | 16,000 | 31,000 | 48,000 | 65,000 |
| Net income | 414,000 | 1,072,000 | 1,856,000 | 2,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,017,000 | 14,675,000 | 15,460,000 | 15,758,000 |
| Total capital | 15,897,000 | 16,624,000 | 17,430,000 | 17,803,000 |
| Risk-weighted assets | 150,123,000 | 155,729,000 | 159,567,000 | 163,548,000 |
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