Call reports 2007
EXCHANGE NATIONAL BANK, THE — 2007
What EXCHANGE NATIONAL BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,075,000 | 29,799,000 | 29,787,000 | 29,108,000 |
| Total loans | 19,311,000 | 19,962,000 | 17,915,000 | 19,193,000 |
| Allowance for loan losses | 505,000 | 517,000 | 520,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,128,000 | 7,130,000 | 7,010,000 | 7,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,807,000 | 25,302,000 | 25,383,000 | 25,047,000 |
| Interest-bearing deposits | 21,415,000 | 21,284,000 | 19,814,000 | 20,266,000 |
| Noninterest-bearing deposits | 4,392,000 | 4,018,000 | 5,569,000 | 4,781,000 |
| Equity capital | 4,004,000 | 4,067,000 | 4,064,000 | 3,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 1,002,000 | 1,483,000 | 1,951,000 |
| Interest expense | 134,000 | 271,000 | 402,000 | 529,000 |
| Net interest income | 350,000 | 731,000 | 1,081,000 | 1,422,000 |
| Noninterest income | 26,000 | 49,000 | 75,000 | 101,000 |
| Noninterest expense | 307,000 | 616,000 | 940,000 | 1,274,000 |
| Provision for loan losses | 11,000 | 23,000 | 25,000 | 346,000 |
| Pretax income | 58,000 | 141,000 | 191,000 | -97,000 |
| Income tax | 21,000 | 41,000 | 60,000 | -27,000 |
| Net income | 37,000 | 100,000 | 131,000 | -70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,004,000 | 4,067,000 | 4,064,000 | 3,812,000 |
| Total capital | 4,247,000 | 4,321,000 | 4,307,000 | 4,012,000 |
| Risk-weighted assets | 19,196,000 | 20,744,000 | 19,141,000 | 19,327,000 |