Call reports 2015
EXCHANGE BANK — 2015
What EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,918,486,000 | 1,941,252,000 | 1,991,466,000 | 2,059,957,000 |
| Total loans | 1,213,836,000 | 1,213,711,000 | 1,248,002,000 | 1,278,733,000 |
| Allowance for loan losses | 37,526,000 | 37,513,000 | 37,677,000 | 37,830,000 |
| Securities available for sale | 520,089,000 | 538,297,000 | 559,629,000 | 571,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,696,715,000 | 1,729,085,000 | 1,774,163,000 | 1,838,978,000 |
| Interest-bearing deposits | 1,069,632,000 | 1,081,071,000 | 1,110,152,000 | 1,161,438,000 |
| Noninterest-bearing deposits | 627,083,000 | 648,013,000 | 664,011,000 | 677,540,000 |
| Equity capital | 165,806,000 | 168,655,000 | 173,817,000 | 173,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 16,988,000 | 34,742,000 | 51,986,000 | 69,781,000 |
| Interest expense | 485,000 | 1,123,000 | 1,451,000 | 1,770,000 |
| Net interest income | 16,503,000 | 33,619,000 | 50,535,000 | 68,011,000 |
| Noninterest income | 5,601,000 | 10,692,000 | 16,100,000 | 21,127,000 |
| Noninterest expense | 14,031,000 | 29,320,000 | 43,465,000 | 58,318,000 |
| Provision for loan losses | -400,000 | -2,900,000 | -3,200,000 | -3,200,000 |
| Pretax income | 8,473,000 | 17,891,000 | 26,370,000 | 34,020,000 |
| Income tax | 3,339,000 | 7,123,000 | 10,464,000 | 12,992,000 |
| Net income | 5,134,000 | 10,768,000 | 15,906,000 | 21,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 167,122,000 | 171,812,000 | 175,803,000 | 179,896,000 |
| Total capital | 196,597,000 | 189,348,000 | 194,068,000 | 198,748,000 |
| Risk-weighted assets | 1,377,888,000 | 1,382,831,000 | 1,441,693,000 | 1,489,086,000 |