Call reports 2016
EXCHANGE BANK — 2016
What EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,065,865,000 | 2,067,450,000 | 2,138,954,000 | 2,178,057,000 |
| Total loans | 1,274,151,000 | 1,327,050,000 | 1,388,573,000 | 1,426,693,000 |
| Allowance for loan losses | 37,831,000 | 37,855,000 | 37,963,000 | 38,009,000 |
| Securities available for sale | 591,575,000 | 591,123,000 | 597,340,000 | 514,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,840,414,000 | 1,834,224,000 | 1,901,201,000 | 1,943,418,000 |
| Interest-bearing deposits | 1,161,993,000 | 1,166,371,000 | 1,188,868,000 | 1,217,303,000 |
| Noninterest-bearing deposits | 678,422,000 | 667,853,000 | 712,333,000 | 726,114,000 |
| Equity capital | 178,623,000 | 183,272,000 | 187,268,000 | 189,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 18,120,000 | 36,317,000 | 54,729,000 | 74,095,000 |
| Interest expense | 301,000 | 588,000 | 871,000 | 1,149,000 |
| Net interest income | 17,819,000 | 35,729,000 | 53,858,000 | 72,946,000 |
| Noninterest income | 4,762,000 | 9,882,000 | 15,356,000 | 20,304,000 |
| Noninterest expense | 14,704,000 | 29,317,000 | 44,244,000 | 59,481,000 |
| Provision for loan losses | -500,000 | -900,000 | -900,000 | -900,000 |
| Pretax income | 8,377,000 | 17,194,000 | 25,870,000 | 34,669,000 |
| Income tax | 3,166,000 | 6,538,000 | 9,821,000 | 13,167,000 |
| Net income | 5,211,000 | 10,656,000 | 16,049,000 | 21,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,992,000 | 188,236,000 | 192,431,000 | 196,597,000 |
| Total capital | 202,946,000 | 207,665,000 | 213,220,000 | 218,275,000 |
| Risk-weighted assets | 1,497,337,000 | 1,535,770,000 | 1,645,858,000 | 1,717,882,000 |