Call reports 2007
EXCHANGE BANK — 2007
What EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,518,208,000 | 1,555,760,000 | 1,599,269,000 | 1,605,920,000 |
| Total loans | 1,130,912,000 | 1,138,187,000 | 1,173,194,000 | 1,178,843,000 |
| Allowance for loan losses | 20,175,000 | 20,684,000 | 20,930,000 | 23,885,000 |
| Securities available for sale | 276,641,000 | 288,806,000 | 310,866,000 | 310,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,288,390,000 | 1,285,191,000 | 1,308,339,000 | 1,354,501,000 |
| Interest-bearing deposits | 885,097,000 | 897,210,000 | 918,376,000 | 974,318,000 |
| Noninterest-bearing deposits | 403,294,000 | 387,981,000 | 389,964,000 | 380,183,000 |
| Equity capital | 131,942,000 | 133,994,000 | 140,518,000 | 134,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 25,293,000 | 51,503,000 | 77,635,000 | 102,455,000 |
| Interest expense | 7,610,000 | 15,660,000 | 24,161,000 | 32,611,000 |
| Net interest income | 17,683,000 | 35,843,000 | 53,474,000 | 69,844,000 |
| Noninterest income | 4,717,000 | 9,883,000 | 14,892,000 | 20,201,000 |
| Noninterest expense | 13,006,000 | 26,033,000 | 39,233,000 | 52,232,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 17,000,000 |
| Pretax income | 8,644,000 | 18,193,000 | 26,883,000 | 20,806,000 |
| Income tax | 3,282,000 | 6,894,000 | 10,210,000 | 7,407,000 |
| Net income | 5,362,000 | 11,299,000 | 16,673,000 | 13,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,371,000 | 140,593,000 | 144,253,000 | 135,664,000 |
| Total capital | 165,826,000 | 170,278,000 | 174,433,000 | 166,165,000 |
| Risk-weighted assets | 1,392,895,000 | 1,411,049,000 | 1,450,884,000 | 1,473,891,000 |