Call reports 2012
EXCHANGE NATIONAL BANK, THE — 2012
What EXCHANGE NATIONAL BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 32,845,000 | 33,780,000 |
| Total loans | 21,624,000 | 21,734,000 |
| Allowance for loan losses | 358,000 | 401,000 |
| Securities available for sale | 6,947,000 | 5,761,000 |
| Securities held to maturity | 100,000 | 100,000 |
| Trading assets | 0 | 0 |
| Total deposits | 28,803,000 | 29,770,000 |
| Interest-bearing deposits | 22,176,000 | 23,067,000 |
| Noninterest-bearing deposits | 6,627,000 | 6,702,000 |
| Equity capital | 3,426,000 | 3,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Interest income | 304,000 | 616,000 |
| Interest expense | 34,000 | 66,000 |
| Net interest income | 270,000 | 550,000 |
| Noninterest income | 34,000 | 93,000 |
| Noninterest expense | 270,000 | 564,000 |
| Provision for loan losses | 0 | 40,000 |
| Pretax income | 125,000 | 130,000 |
| Income tax | -19,000 | -63,000 |
| Net income | 144,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 3,292,000 | 3,306,000 |
| Total capital | 3,551,000 | 3,563,000 |
| Risk-weighted assets | 20,575,000 | 20,403,000 |