Call reports 2006
EXCHANGE BANK — 2006
What EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,423,259,000 | 1,482,658,000 | 1,491,861,000 | 1,522,391,000 |
| Total loans | 1,051,469,000 | 1,099,349,000 | 1,109,250,000 | 1,130,554,000 |
| Allowance for loan losses | 18,075,000 | 19,167,000 | 19,783,000 | 19,524,000 |
| Securities available for sale | 261,455,000 | 265,758,000 | 274,080,000 | 272,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,207,301,000 | 1,214,352,000 | 1,239,099,000 | 1,263,720,000 |
| Interest-bearing deposits | 788,527,000 | 824,233,000 | 842,457,000 | 863,321,000 |
| Noninterest-bearing deposits | 418,774,000 | 390,118,000 | 396,642,000 | 400,399,000 |
| Equity capital | 123,186,000 | 125,100,000 | 132,253,000 | 128,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 20,875,000 | 44,623,000 | 69,620,000 | 95,034,000 |
| Interest expense | 4,679,000 | 10,447,000 | 17,262,000 | 24,499,000 |
| Net interest income | 16,196,000 | 34,176,000 | 52,358,000 | 70,535,000 |
| Noninterest income | 4,529,000 | 9,292,000 | 14,031,000 | 18,907,000 |
| Noninterest expense | 11,770,000 | 24,879,000 | 37,580,000 | 53,548,000 |
| Provision for loan losses | 445,000 | 1,495,000 | 2,445,000 | 3,345,000 |
| Pretax income | 8,510,000 | 17,094,000 | 26,364,000 | 32,549,000 |
| Income tax | 3,189,000 | 6,365,000 | 9,816,000 | 10,921,000 |
| Net income | 5,321,000 | 10,729,000 | 16,548,000 | 21,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,988,000 | 128,680,000 | 132,785,000 | 132,723,000 |
| Total capital | 153,545,000 | 157,996,000 | 162,075,000 | 162,233,000 |
| Risk-weighted assets | 1,322,438,000 | 1,382,836,000 | 1,380,045,000 | 1,398,023,000 |