Call reports 2016
EXCHANGE BANK — 2016
What EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 768,274,000 | 797,330,000 | 801,171,000 | 797,634,000 |
| Total loans | 511,485,000 | 541,244,000 | 539,287,000 | 547,724,000 |
| Allowance for loan losses | 7,028,000 | 7,409,000 | 7,742,000 | 8,146,000 |
| Securities available for sale | 202,291,000 | 197,366,000 | 197,633,000 | 204,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,619,000 | 551,819,000 | 586,670,000 | 585,286,000 |
| Interest-bearing deposits | 494,047,000 | 504,458,000 | 537,658,000 | 532,173,000 |
| Noninterest-bearing deposits | 48,572,000 | 47,361,000 | 49,011,000 | 53,113,000 |
| Equity capital | 82,789,000 | 84,680,000 | 88,335,000 | 88,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,449,000 | 15,386,000 | 22,980,000 | 30,790,000 |
| Interest expense | 1,683,000 | 3,472,000 | 5,319,000 | 7,192,000 |
| Net interest income | 5,766,000 | 11,914,000 | 17,661,000 | 23,598,000 |
| Noninterest income | 424,000 | 1,037,000 | 1,695,000 | 2,531,000 |
| Noninterest expense | 2,889,000 | 5,614,000 | 8,350,000 | 11,276,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 3,314,000 | 7,360,000 | 10,726,000 | 14,564,000 |
| Income tax | 73,000 | 159,000 | 260,000 | 347,000 |
| Net income | 3,241,000 | 7,201,000 | 10,466,000 | 14,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,737,000 | 77,697,000 | 80,962,000 | 84,714,000 |
| Total capital | 82,765,000 | 85,106,000 | 88,704,000 | 92,398,000 |
| Risk-weighted assets | 579,305,000 | 613,634,000 | 620,237,000 | 614,281,000 |