Call reports 2013
EXCHANGE BANK — 2013
What EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,693,220,000 | 1,688,193,000 | 1,751,460,000 | 1,782,307,000 |
| Total loans | 1,025,112,000 | 1,061,091,000 | 1,084,150,000 | 1,130,550,000 |
| Allowance for loan losses | 36,561,000 | 37,787,000 | 38,282,000 | 36,946,000 |
| Securities available for sale | 433,579,000 | 446,610,000 | 493,700,000 | 484,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,474,408,000 | 1,485,513,000 | 1,531,561,000 | 1,576,990,000 |
| Interest-bearing deposits | 959,691,000 | 978,755,000 | 1,004,296,000 | 1,009,104,000 |
| Noninterest-bearing deposits | 514,717,000 | 506,759,000 | 527,265,000 | 567,887,000 |
| Equity capital | 158,396,000 | 147,297,000 | 150,720,000 | 155,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,451,000 | 30,898,000 | 47,240,000 | 63,017,000 |
| Interest expense | 829,000 | 1,622,000 | 2,814,000 | 3,463,000 |
| Net interest income | 14,622,000 | 29,276,000 | 44,426,000 | 59,554,000 |
| Noninterest income | 5,570,000 | 11,606,000 | 18,373,000 | 24,887,000 |
| Noninterest expense | 13,938,000 | 27,826,000 | 43,153,000 | 57,993,000 |
| Provision for loan losses | 1,450,000 | 2,250,000 | 2,500,000 | 2,500,000 |
| Pretax income | 4,804,000 | 10,806,000 | 17,146,000 | 23,948,000 |
| Income tax | 1,595,000 | 3,783,000 | 5,716,000 | 8,219,000 |
| Net income | 3,209,000 | 7,023,000 | 11,430,000 | 15,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,666,000 | 150,141,000 | 154,321,000 | 157,022,000 |
| Total capital | 182,787,000 | 177,692,000 | 182,465,000 | 185,346,000 |
| Risk-weighted assets | 1,187,970,000 | 1,221,597,000 | 1,269,146,000 | 1,285,162,000 |