Call reports 2015
EXCHANGE BANK — 2015
What EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 699,060,000 | 728,196,000 | 734,123,000 | 751,152,000 |
| Total loans | 464,300,000 | 494,040,000 | 491,532,000 | 498,857,000 |
| Allowance for loan losses | 6,379,000 | 6,698,000 | 6,386,000 | 6,644,000 |
| Securities available for sale | 185,859,000 | 184,630,000 | 187,390,000 | 199,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 484,206,000 | 495,512,000 | 503,856,000 | 527,794,000 |
| Interest-bearing deposits | 435,864,000 | 448,790,000 | 457,352,000 | 471,234,000 |
| Noninterest-bearing deposits | 48,342,000 | 46,722,000 | 46,504,000 | 56,560,000 |
| Equity capital | 80,431,000 | 78,945,000 | 79,176,000 | 83,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,681,000 | 13,676,000 | 20,965,000 | 28,337,000 |
| Interest expense | 1,387,000 | 2,841,000 | 4,380,000 | 5,972,000 |
| Net interest income | 5,294,000 | 10,835,000 | 16,585,000 | 22,365,000 |
| Noninterest income | 617,000 | 1,352,000 | 2,048,000 | 2,852,000 |
| Noninterest expense | 2,744,000 | 5,474,000 | 8,215,000 | 11,147,000 |
| Provision for loan losses | 200,000 | 515,000 | 965,000 | 1,600,000 |
| Pretax income | 3,099,000 | 6,607,000 | 9,894,000 | 13,322,000 |
| Income tax | 97,000 | 167,000 | 233,000 | 299,000 |
| Net income | 3,002,000 | 6,440,000 | 9,661,000 | 13,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,175,000 | 72,913,000 | 73,133,000 | 76,496,000 |
| Total capital | 78,535,000 | 79,611,000 | 79,519,000 | 83,140,000 |
| Risk-weighted assets | 508,799,000 | 539,710,000 | 549,444,000 | 562,478,000 |