Call reports 2008
EXCHANGE BANK — 2008
What EXCHANGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,647,148,000 | 1,678,522,000 | 1,666,259,000 | 1,629,346,000 |
| Total loans | 1,195,091,000 | 1,201,579,000 | 1,196,922,000 | 1,160,822,000 |
| Allowance for loan losses | 26,257,000 | 25,676,000 | 27,204,000 | 27,180,000 |
| Securities available for sale | 341,124,000 | 346,735,000 | 334,877,000 | 332,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,372,304,000 | 1,340,953,000 | 1,361,130,000 | 1,288,042,000 |
| Interest-bearing deposits | 992,222,000 | 966,994,000 | 967,027,000 | 907,039,000 |
| Noninterest-bearing deposits | 380,082,000 | 373,959,000 | 394,104,000 | 381,003,000 |
| Equity capital | 137,854,000 | 128,916,000 | 118,851,000 | 154,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,859,000 | 47,389,000 | 69,613,000 | 91,478,000 |
| Interest expense | 7,433,000 | 13,807,000 | 19,864,000 | 25,271,000 |
| Net interest income | 16,426,000 | 33,582,000 | 49,749,000 | 66,207,000 |
| Noninterest income | 4,937,000 | 9,899,000 | 14,981,000 | 19,464,000 |
| Noninterest expense | 12,864,000 | 26,401,000 | 43,499,000 | 60,361,000 |
| Provision for loan losses | 2,700,000 | 16,300,000 | 43,800,000 | 61,800,000 |
| Pretax income | 5,799,000 | 780,000 | -22,368,000 | -36,170,000 |
| Income tax | 2,136,000 | 253,000 | -11,399,000 | -17,665,000 |
| Net income | 3,663,000 | 527,000 | -10,969,000 | -18,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 137,615,000 | 132,762,000 | 121,266,000 | 156,731,000 |
| Total capital | 168,260,000 | 163,504,000 | 151,492,000 | 186,456,000 |
| Risk-weighted assets | 1,483,169,000 | 1,491,616,000 | 1,448,349,000 | 1,407,723,000 |