Call reports 2011
EXCHANGE BANK — 2011
What EXCHANGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 211,171,000 | 221,120,000 | 223,502,000 | 389,060,000 |
| Total loans | 149,088,000 | 164,371,000 | 166,619,000 | 255,014,000 |
| Allowance for loan losses | 2,178,000 | 2,220,000 | 2,448,000 | 4,102,000 |
| Securities available for sale | 43,885,000 | 45,013,000 | 43,681,000 | 106,309,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,340,000 | 159,995,000 | 160,869,000 | 301,727,000 |
| Interest-bearing deposits | 152,183,000 | 150,991,000 | 151,387,000 | 283,452,000 |
| Noninterest-bearing deposits | 8,157,000 | 9,004,000 | 9,482,000 | 18,274,000 |
| Equity capital | 19,515,000 | 20,411,000 | 20,720,000 | 38,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,828,000 | 5,747,000 | 8,746,000 | 19,528,000 |
| Interest expense | 828,000 | 1,631,000 | 2,411,000 | 5,456,000 |
| Net interest income | 2,000,000 | 4,116,000 | 6,335,000 | 14,072,000 |
| Noninterest income | 120,000 | 299,000 | 432,000 | 1,137,000 |
| Noninterest expense | 883,000 | 1,886,000 | 2,835,000 | 6,832,000 |
| Provision for loan losses | 120,000 | 360,000 | 540,000 | 1,090,000 |
| Pretax income | 921,000 | 2,084,000 | 3,310,000 | 6,529,000 |
| Income tax | 19,000 | 37,000 | 56,000 | 137,000 |
| Net income | 902,000 | 2,047,000 | 3,254,000 | 6,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,420,000 | 20,565,000 | 20,772,000 | 36,568,000 |
| Total capital | 21,598,000 | 22,785,000 | 23,174,000 | 40,369,000 |
| Risk-weighted assets | 177,098,000 | 190,033,000 | 192,185,000 | 303,810,000 |