Call reports 2011
EXCHANGE BANK — 2011
What EXCHANGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,517,711,000 | 1,507,818,000 | 1,550,762,000 | 1,575,425,000 |
| Total loans | 1,034,386,000 | 1,063,270,000 | 1,070,349,000 | 1,052,754,000 |
| Allowance for loan losses | 31,479,000 | 32,791,000 | 33,374,000 | 31,751,000 |
| Securities available for sale | 320,054,000 | 304,988,000 | 310,883,000 | 345,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,301,506,000 | 1,287,805,000 | 1,326,312,000 | 1,350,887,000 |
| Interest-bearing deposits | 869,630,000 | 856,355,000 | 875,900,000 | 883,948,000 |
| Noninterest-bearing deposits | 431,876,000 | 431,450,000 | 450,412,000 | 466,939,000 |
| Equity capital | 160,010,000 | 163,787,000 | 167,755,000 | 163,018,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 17,516,000 | 35,400,000 | 53,218,000 | 70,851,000 |
| Interest expense | 1,298,000 | 2,545,000 | 3,731,000 | 4,845,000 |
| Net interest income | 16,218,000 | 32,855,000 | 49,487,000 | 66,006,000 |
| Noninterest income | 5,200,000 | 10,435,000 | 15,820,000 | 20,822,000 |
| Noninterest expense | 13,852,000 | 28,542,000 | 43,152,000 | 56,664,000 |
| Provision for loan losses | 3,250,000 | 6,250,000 | 9,250,000 | 12,550,000 |
| Pretax income | 4,316,000 | 8,498,000 | 12,905,000 | 17,614,000 |
| Income tax | 1,325,000 | 2,505,000 | 3,901,000 | 5,436,000 |
| Net income | 2,991,000 | 5,993,000 | 9,004,000 | 12,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,394,000 | 145,617,000 | 149,142,000 | 155,647,000 |
| Total capital | 167,223,000 | 170,570,000 | 174,080,000 | 182,902,000 |
| Risk-weighted assets | 1,201,607,000 | 1,210,422,000 | 1,208,586,000 | 1,203,435,000 |