Call reports 2014
EXCHANGE BANK — 2014
What EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 517,907,000 | 549,949,000 | 561,747,000 | 676,176,000 |
| Total loans | 357,786,000 | 386,006,000 | 392,602,000 | 440,661,000 |
| Allowance for loan losses | 5,447,000 | 5,622,000 | 5,495,000 | 6,162,000 |
| Securities available for sale | 121,982,000 | 124,291,000 | 130,911,000 | 179,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,193,000 | 377,976,000 | 384,873,000 | 458,853,000 |
| Interest-bearing deposits | 343,678,000 | 351,723,000 | 355,356,000 | 419,029,000 |
| Noninterest-bearing deposits | 30,515,000 | 26,253,000 | 29,517,000 | 39,824,000 |
| Equity capital | 53,538,000 | 55,490,000 | 58,042,000 | 76,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,215,000 | 10,743,000 | 16,440,000 | 26,331,000 |
| Interest expense | 1,013,000 | 2,086,000 | 3,199,000 | 5,447,000 |
| Net interest income | 4,202,000 | 8,657,000 | 13,241,000 | 20,884,000 |
| Noninterest income | 295,000 | 716,000 | 1,133,000 | 3,012,000 |
| Noninterest expense | 2,132,000 | 4,173,000 | 6,397,000 | 11,281,000 |
| Provision for loan losses | 0 | 150,000 | 450,000 | 950,000 |
| Pretax income | 2,700,000 | 5,638,000 | 8,374,000 | 12,583,000 |
| Income tax | 45,000 | 98,000 | 149,000 | 253,000 |
| Net income | 2,655,000 | 5,540,000 | 8,225,000 | 12,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,327,000 | 52,712,000 | 55,398,000 | 69,172,000 |
| Total capital | 57,320,000 | 57,917,000 | 60,751,000 | 75,285,000 |
| Risk-weighted assets | 399,015,000 | 416,007,000 | 428,071,000 | 488,986,000 |
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