Call reports 2012
EXCHANGE BANK — 2012
What EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 389,139,000 | 414,284,000 | 440,633,000 | 465,475,000 |
| Total loans | 247,921,000 | 267,864,000 | 294,072,000 | 305,849,000 |
| Allowance for loan losses | 3,898,000 | 3,996,000 | 4,393,000 | 4,433,000 |
| Securities available for sale | 111,999,000 | 116,816,000 | 115,092,000 | 124,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,824,000 | 302,930,000 | 311,145,000 | 342,037,000 |
| Interest-bearing deposits | 286,560,000 | 283,900,000 | 291,907,000 | 299,833,000 |
| Noninterest-bearing deposits | 20,263,000 | 19,030,000 | 19,238,000 | 42,204,000 |
| Equity capital | 39,986,000 | 42,401,000 | 44,277,000 | 45,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,794,000 | 9,735,000 | 14,897,000 | 20,014,000 |
| Interest expense | 1,181,000 | 2,342,000 | 3,484,000 | 4,554,000 |
| Net interest income | 3,613,000 | 7,393,000 | 11,413,000 | 15,460,000 |
| Noninterest income | 215,000 | 505,000 | 783,000 | 1,116,000 |
| Noninterest expense | 1,606,000 | 3,216,000 | 4,772,000 | 6,377,000 |
| Provision for loan losses | 0 | 100,000 | 300,000 | 300,000 |
| Pretax income | 2,220,000 | 4,580,000 | 7,113,000 | 9,921,000 |
| Income tax | 48,000 | 85,000 | 120,000 | 158,000 |
| Net income | 2,172,000 | 4,495,000 | 6,993,000 | 9,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,992,000 | 39,866,000 | 40,863,000 | 42,634,000 |
| Total capital | 41,590,000 | 43,862,000 | 45,207,000 | 47,067,000 |
| Risk-weighted assets | 286,871,000 | 323,299,000 | 347,499,000 | 362,477,000 |