Call reports 2009
EXCHANGE BANK — 2009
What EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,653,914,000 | 1,609,835,000 | 1,569,465,000 | 1,531,833,000 |
| Total loans | 1,152,255,000 | 1,139,537,000 | 1,123,025,000 | 1,091,527,000 |
| Allowance for loan losses | 35,970,000 | 33,238,000 | 26,583,000 | 28,781,000 |
| Securities available for sale | 376,234,000 | 348,143,000 | 311,858,000 | 310,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,374,933,000 | 1,345,382,000 | 1,322,444,000 | 1,316,864,000 |
| Interest-bearing deposits | 963,894,000 | 959,392,000 | 918,160,000 | 888,998,000 |
| Noninterest-bearing deposits | 411,038,000 | 385,989,000 | 404,284,000 | 427,866,000 |
| Equity capital | 142,765,000 | 143,903,000 | 146,728,000 | 150,151,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 20,787,000 | 42,104,000 | 62,365,000 | 82,078,000 |
| Interest expense | 4,574,000 | 9,194,000 | 13,121,000 | 15,860,000 |
| Net interest income | 16,213,000 | 32,910,000 | 49,244,000 | 66,218,000 |
| Noninterest income | 4,525,000 | 9,340,000 | 14,345,000 | 19,497,000 |
| Noninterest expense | 16,352,000 | 28,811,000 | 44,450,000 | 56,751,000 |
| Provision for loan losses | 23,000,000 | 29,000,000 | 35,000,000 | 41,000,000 |
| Pretax income | -18,409,000 | -15,212,000 | -14,747,000 | -10,924,000 |
| Income tax | -8,110,000 | -7,344,000 | -7,695,000 | -7,061,000 |
| Net income | -10,299,000 | -7,868,000 | -7,052,000 | -3,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,068,000 | 146,998,000 | 147,227,000 | 130,093,000 |
| Total capital | 175,894,000 | 176,411,000 | 176,219,000 | 158,376,000 |
| Risk-weighted assets | 1,407,128,000 | 1,376,660,000 | 1,349,288,000 | 1,289,612,000 |