Call reports 2014
EXCHANGE BANK — 2014
What EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,788,126,000 | 1,783,423,000 | 1,802,259,000 | 1,881,314,000 |
| Total loans | 1,136,172,000 | 1,172,435,000 | 1,170,462,000 | 1,221,213,000 |
| Allowance for loan losses | 37,552,000 | 37,396,000 | 37,573,000 | 37,653,000 |
| Securities available for sale | 467,485,000 | 469,655,000 | 489,288,000 | 489,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,582,018,000 | 1,576,113,000 | 1,591,709,000 | 1,668,400,000 |
| Interest-bearing deposits | 1,022,775,000 | 1,013,803,000 | 1,019,217,000 | 1,050,990,000 |
| Noninterest-bearing deposits | 559,242,000 | 562,309,000 | 572,492,000 | 617,410,000 |
| Equity capital | 150,684,000 | 155,513,000 | 159,279,000 | 160,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 15,997,000 | 32,223,000 | 49,445,000 | 66,061,000 |
| Interest expense | 596,000 | 1,189,000 | 1,770,000 | 2,511,000 |
| Net interest income | 15,401,000 | 31,034,000 | 47,675,000 | 63,550,000 |
| Noninterest income | 5,201,000 | 10,927,000 | 16,408,000 | 21,291,000 |
| Noninterest expense | 14,091,000 | 28,073,000 | 42,699,000 | 56,570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,511,000 | 13,888,000 | 21,384,000 | 28,271,000 |
| Income tax | 2,448,000 | 5,282,000 | 8,223,000 | 10,563,000 |
| Net income | 4,063,000 | 8,606,000 | 13,161,000 | 17,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,199,000 | 155,133,000 | 158,993,000 | 162,780,000 |
| Total capital | 179,740,000 | 184,106,000 | 187,994,000 | 192,272,000 |
| Risk-weighted assets | 1,302,200,000 | 1,337,298,000 | 1,339,412,000 | 1,379,156,000 |