Call reports 2006
EXCHANGE BANK, THE — 2006
What EXCHANGE BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 86,861,000 | 89,666,000 | 87,218,000 | 86,497,000 |
| Total loans | 59,204,000 | 62,221,000 | 64,124,000 | 64,228,000 |
| Allowance for loan losses | 899,000 | 921,000 | 933,000 | 831,000 |
| Securities available for sale | 8,323,000 | 10,938,000 | 10,704,000 | 10,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,978,000 | 73,222,000 | 70,731,000 | 69,739,000 |
| Interest-bearing deposits | 59,552,000 | 57,748,000 | 57,054,000 | 56,377,000 |
| Noninterest-bearing deposits | 10,426,000 | 15,474,000 | 13,677,000 | 13,362,000 |
| Equity capital | 12,044,000 | 12,007,000 | 12,173,000 | 12,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,227,000 | 2,481,000 | 3,928,000 | 5,292,000 |
| Interest expense | 362,000 | 745,000 | 1,218,000 | 1,717,000 |
| Net interest income | 865,000 | 1,736,000 | 2,710,000 | 3,575,000 |
| Noninterest income | 171,000 | 514,000 | 851,000 | 1,154,000 |
| Noninterest expense | 1,273,000 | 2,467,000 | 3,648,000 | 4,900,000 |
| Provision for loan losses | 0 | -2,000 | 33,000 | 3,000 |
| Pretax income | -237,000 | -215,000 | -120,000 | -174,000 |
| Income tax | -81,000 | -74,000 | -42,000 | -60,000 |
| Net income | -156,000 | -141,000 | -78,000 | -114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,888,000 | 6,979,000 | 7,044,000 | 7,084,000 |
| Total capital | 7,598,000 | 7,728,000 | 7,788,000 | 7,829,000 |
| Risk-weighted assets | 56,587,000 | 59,784,000 | 59,362,000 | 59,510,000 |