Call reports 2013
EXCHANGE BANK — 2013
What EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 463,308,000 | 471,064,000 | 491,548,000 | 493,436,000 |
| Total loans | 287,690,000 | 303,938,000 | 324,388,000 | 336,045,000 |
| Allowance for loan losses | 4,437,000 | 4,620,000 | 4,887,000 | 5,424,000 |
| Securities available for sale | 136,354,000 | 131,362,000 | 127,686,000 | 121,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,002,000 | 324,675,000 | 339,644,000 | 348,937,000 |
| Interest-bearing deposits | 303,233,000 | 300,978,000 | 315,215,000 | 321,909,000 |
| Noninterest-bearing deposits | 26,769,000 | 23,696,000 | 24,429,000 | 27,028,000 |
| Equity capital | 48,411,000 | 45,810,000 | 47,889,000 | 49,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,946,000 | 9,851,000 | 14,818,000 | 19,933,000 |
| Interest expense | 989,000 | 1,964,000 | 2,942,000 | 3,962,000 |
| Net interest income | 3,957,000 | 7,887,000 | 11,876,000 | 15,971,000 |
| Noninterest income | 297,000 | 654,000 | 1,125,000 | 2,012,000 |
| Noninterest expense | 1,648,000 | 3,380,000 | 5,439,000 | 7,325,000 |
| Provision for loan losses | 0 | 400,000 | 650,000 | 1,290,000 |
| Pretax income | 2,677,000 | 5,498,000 | 7,757,000 | 10,147,000 |
| Income tax | 28,000 | 79,000 | 118,000 | 158,000 |
| Net income | 2,649,000 | 5,419,000 | 7,639,000 | 9,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,282,000 | 46,053,000 | 48,023,000 | 49,672,000 |
| Total capital | 49,669,000 | 50,588,000 | 52,801,000 | 54,465,000 |
| Risk-weighted assets | 350,227,000 | 362,814,000 | 382,133,000 | 382,768,000 |