Call reports 2006
EXCHANGE BANK — 2006
What EXCHANGE BANK 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 | 20,062,000 | 19,218,000 | 18,460,000 | 20,380,000 |
| Total loans | 7,695,000 | 8,551,000 | 8,711,000 | 9,235,000 |
| Allowance for loan losses | 293,000 | 257,000 | 156,000 | 156,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,482,000 | 8,147,000 | 7,677,000 | 6,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,616,000 | 15,767,000 | 14,789,000 | 16,773,000 |
| Interest-bearing deposits | 13,087,000 | 12,205,000 | 11,824,000 | 12,099,000 |
| Noninterest-bearing deposits | 3,529,000 | 3,562,000 | 2,965,000 | 4,674,000 |
| Equity capital | 3,401,000 | 3,399,000 | 3,610,000 | 3,547,000 |
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 | 257,000 | 506,000 | 762,000 | 1,034,000 |
| Interest expense | 58,000 | 121,000 | 187,000 | 258,000 |
| Net interest income | 199,000 | 385,000 | 575,000 | 776,000 |
| Noninterest income | 21,000 | 36,000 | 48,000 | 77,000 |
| Noninterest expense | 127,000 | 246,000 | 349,000 | 543,000 |
| Provision for loan losses | -66,000 | -110,000 | -222,000 | -226,000 |
| Pretax income | 159,000 | 285,000 | 496,000 | 536,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 159,000 | 285,000 | 496,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,401,000 | 3,399,000 | 3,610,000 | 3,547,000 |
| Total capital | 3,527,000 | 3,544,000 | 3,744,000 | 3,691,000 |
| Risk-weighted assets | 10,193,000 | 10,731,000 | 10,764,000 | 11,595,000 |