Call reports 2010
EXCHANGE BANK — 2010
What EXCHANGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,531,797,000 | 1,513,472,000 | 1,512,955,000 | 1,501,698,000 |
| Total loans | 1,085,667,000 | 1,084,100,000 | 1,053,314,000 | 1,051,834,000 |
| Allowance for loan losses | 33,559,000 | 36,411,000 | 34,157,000 | 33,144,000 |
| Securities available for sale | 289,245,000 | 286,773,000 | 299,484,000 | 318,608,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,314,522,000 | 1,290,705,000 | 1,290,485,000 | 1,285,162,000 |
| Interest-bearing deposits | 893,148,000 | 875,115,000 | 886,790,000 | 860,781,000 |
| Noninterest-bearing deposits | 421,375,000 | 415,590,000 | 403,695,000 | 424,381,000 |
| Equity capital | 152,655,000 | 154,745,000 | 157,530,000 | 157,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 19,998,000 | 39,065,000 | 57,927,000 | 76,120,000 |
| Interest expense | 2,016,000 | 3,759,000 | 5,352,000 | 6,754,000 |
| Net interest income | 17,982,000 | 35,306,000 | 52,575,000 | 69,366,000 |
| Noninterest income | 4,872,000 | 10,138,000 | 15,311,000 | 20,377,000 |
| Noninterest expense | 14,074,000 | 27,751,000 | 41,159,000 | 56,281,000 |
| Provision for loan losses | 6,000,000 | 11,000,000 | 15,500,000 | 19,500,000 |
| Pretax income | 2,780,000 | 6,693,000 | 11,227,000 | 13,962,000 |
| Income tax | 652,000 | 1,800,000 | 3,195,000 | 3,706,000 |
| Net income | 2,128,000 | 4,893,000 | 8,032,000 | 10,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,884,000 | 139,356,000 | 141,490,000 | 139,046,000 |
| Total capital | 163,885,000 | 166,806,000 | 169,136,000 | 164,135,000 |
| Risk-weighted assets | 1,262,050,000 | 1,214,389,000 | 1,232,554,000 | 1,221,011,000 |