Call reports 2012
EXCHANGE BANK — 2012
What EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,629,780,000 | 1,626,594,000 | 1,633,849,000 | 1,676,929,000 |
| Total loans | 1,055,934,000 | 1,036,052,000 | 1,046,560,000 | 1,044,834,000 |
| Allowance for loan losses | 33,907,000 | 35,346,000 | 36,489,000 | 35,631,000 |
| Securities available for sale | 352,589,000 | 370,387,000 | 399,047,000 | 411,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,402,962,000 | 1,397,555,000 | 1,417,597,000 | 1,459,765,000 |
| Interest-bearing deposits | 917,383,000 | 909,035,000 | 924,119,000 | 943,000,000 |
| Noninterest-bearing deposits | 485,579,000 | 488,520,000 | 493,478,000 | 516,766,000 |
| Equity capital | 165,139,000 | 167,678,000 | 152,774,000 | 156,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 17,518,000 | 34,048,000 | 51,092,000 | 67,302,000 |
| Interest expense | 1,039,000 | 2,014,000 | 2,951,000 | 3,832,000 |
| Net interest income | 16,479,000 | 32,034,000 | 48,141,000 | 63,470,000 |
| Noninterest income | 5,200,000 | 10,382,000 | 15,749,000 | 20,977,000 |
| Noninterest expense | 14,584,000 | 28,641,000 | 43,146,000 | 56,906,000 |
| Provision for loan losses | 2,750,000 | 5,250,000 | 7,350,000 | 9,150,000 |
| Pretax income | 4,345,000 | 8,525,000 | 13,394,000 | 18,391,000 |
| Income tax | 1,400,000 | 2,737,000 | 4,396,000 | 6,129,000 |
| Net income | 2,945,000 | 5,788,000 | 8,998,000 | 12,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,736,000 | 160,233,000 | 144,909,000 | 152,846,000 |
| Total capital | 185,009,000 | 187,314,000 | 172,120,000 | 180,173,000 |
| Risk-weighted assets | 1,202,691,000 | 1,185,791,000 | 1,195,139,000 | 1,205,548,000 |