Call reports 2008
EXCHANGE NATIONAL BANK, THE — 2008
What EXCHANGE NATIONAL BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,102,000 | 30,782,000 | 30,062,000 | 30,489,000 |
| Total loans | 19,613,000 | 19,353,000 | 17,463,000 | 18,460,000 |
| Allowance for loan losses | 208,000 | 333,000 | 223,000 | 226,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,037,000 | 7,052,000 | 7,330,000 | 7,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,007,000 | 26,616,000 | 25,707,000 | 26,391,000 |
| Interest-bearing deposits | 20,708,000 | 21,142,000 | 20,175,000 | 20,816,000 |
| Noninterest-bearing deposits | 5,299,000 | 5,474,000 | 5,532,000 | 5,575,000 |
| Equity capital | 3,822,000 | 3,843,000 | 4,031,000 | 3,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 453,000 | 900,000 | 1,327,000 | 1,721,000 |
| Interest expense | 127,000 | 240,000 | 350,000 | 450,000 |
| Net interest income | 326,000 | 660,000 | 977,000 | 1,271,000 |
| Noninterest income | 28,000 | 53,000 | 75,000 | 98,000 |
| Noninterest expense | 316,000 | 631,000 | 934,000 | 1,219,000 |
| Provision for loan losses | 7,000 | 13,000 | -97,000 | -66,000 |
| Pretax income | 31,000 | 69,000 | 215,000 | 73,000 |
| Income tax | 20,000 | 38,000 | -31,000 | -32,000 |
| Net income | 11,000 | 31,000 | 246,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,822,000 | 3,843,000 | 4,031,000 | 3,853,000 |
| Total capital | 4,030,000 | 4,110,000 | 4,254,000 | 4,079,000 |
| Risk-weighted assets | 19,874,000 | 20,730,000 | 18,678,000 | 19,434,000 |