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 | 57,514,000 | 55,707,000 | 57,002,000 | 58,618,000 |
| Total loans | 22,195,000 | 19,517,000 | 21,181,000 | 20,172,000 |
| Allowance for loan losses | 409,000 | 479,000 | 457,000 | 413,000 |
| Securities available for sale | 30,963,000 | 30,890,000 | 31,540,000 | 33,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,857,000 | 46,301,000 | 47,617,000 | 49,348,000 |
| Interest-bearing deposits | 36,810,000 | 36,413,000 | 37,203,000 | 39,103,000 |
| Noninterest-bearing deposits | 11,047,000 | 9,888,000 | 10,414,000 | 10,245,000 |
| Equity capital | 7,936,000 | 8,148,000 | 8,485,000 | 8,389,000 |
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 | 723,000 | 1,488,000 | 2,260,000 | 3,049,000 |
| Interest expense | 224,000 | 463,000 | 728,000 | 1,024,000 |
| Net interest income | 499,000 | 1,025,000 | 1,532,000 | 2,025,000 |
| Noninterest income | 106,000 | 209,000 | 305,000 | 400,000 |
| Noninterest expense | 336,000 | 696,000 | 1,046,000 | 1,504,000 |
| Provision for loan losses | 14,000 | 16,000 | 19,000 | 23,000 |
| Pretax income | 255,000 | 522,000 | 772,000 | 898,000 |
| Income tax | 60,000 | 120,000 | 180,000 | 267,000 |
| Net income | 195,000 | 402,000 | 592,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,352,000 | 8,559,000 | 8,748,000 | 8,538,000 |
| Total capital | 8,741,000 | 8,920,000 | 9,130,000 | 8,915,000 |
| Risk-weighted assets | 31,117,000 | 28,763,000 | 30,454,000 | 30,126,000 |