Call reports 2010
EXCHANGE NATIONAL BANK, THE — 2010
What EXCHANGE NATIONAL BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 33,801,000 | 35,497,000 | 34,482,000 | 35,817,000 |
| Total loans | 19,484,000 | 20,094,000 | 17,316,000 | 18,927,000 |
| Allowance for loan losses | 358,000 | 338,000 | 344,000 | 374,000 |
| Securities available for sale | 0 | 0 | 0 | 8,401,000 |
| Securities held to maturity | 7,552,000 | 7,537,000 | 7,255,000 | 155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,102,000 | 31,880,000 | 30,900,000 | 31,686,000 |
| Interest-bearing deposits | 24,461,000 | 25,105,000 | 24,616,000 | 25,580,000 |
| Noninterest-bearing deposits | 5,641,000 | 6,775,000 | 6,284,000 | 6,106,000 |
| Equity capital | 3,534,000 | 3,423,000 | 3,357,000 | 3,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 695,000 | 1,003,000 | 1,270,000 |
| Interest expense | 71,000 | 132,000 | 195,000 | 253,000 |
| Net interest income | 286,000 | 563,000 | 808,000 | 1,017,000 |
| Noninterest income | 32,000 | 54,000 | 90,000 | 110,000 |
| Noninterest expense | 319,000 | 651,000 | 986,000 | 1,285,000 |
| Provision for loan losses | 155,000 | 259,000 | 264,000 | 300,000 |
| Pretax income | -156,000 | -293,000 | -352,000 | -458,000 |
| Income tax | -32,000 | -58,000 | -51,000 | -45,000 |
| Net income | -124,000 | -235,000 | -301,000 | -413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,534,000 | 3,423,000 | 3,304,000 | 3,246,000 |
| Total capital | 3,794,000 | 3,694,000 | 3,546,000 | 3,503,000 |
| Risk-weighted assets | 20,722,000 | 21,589,000 | 19,294,000 | 20,427,000 |