Call reports 2006
EXCHANGE BANK — 2006
What EXCHANGE BANK 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 | 193,922,000 | 191,004,000 | 192,969,000 | 199,098,000 |
| Total loans | 139,123,000 | 137,395,000 | 137,690,000 | 134,643,000 |
| Allowance for loan losses | 2,063,000 | 2,874,000 | 2,932,000 | 2,921,000 |
| Securities available for sale | 37,327,000 | 36,668,000 | 36,425,000 | 36,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,575,000 | 155,245,000 | 159,208,000 | 164,584,000 |
| Interest-bearing deposits | 128,341,000 | 128,779,000 | 133,540,000 | 142,429,000 |
| Noninterest-bearing deposits | 29,234,000 | 26,466,000 | 25,668,000 | 22,155,000 |
| Equity capital | 19,881,000 | 20,249,000 | 21,224,000 | 21,998,000 |
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 | 3,052,000 | 6,355,000 | 9,730,000 | 13,110,000 |
| Interest expense | 927,000 | 1,937,000 | 3,004,000 | 4,266,000 |
| Net interest income | 2,125,000 | 4,418,000 | 6,726,000 | 8,844,000 |
| Noninterest income | 448,000 | 935,000 | 1,414,000 | 1,848,000 |
| Noninterest expense | 1,427,000 | 2,896,000 | 4,402,000 | 5,972,000 |
| Provision for loan losses | 6,000 | 10,000 | 26,000 | 23,000 |
| Pretax income | 1,151,000 | 2,458,000 | 3,723,000 | 4,709,000 |
| Income tax | 392,000 | 838,000 | 1,360,000 | 1,536,000 |
| Net income | 759,000 | 1,620,000 | 2,363,000 | 3,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,306,000 | 21,011,000 | 21,581,000 | 22,216,000 |
| Total capital | 22,205,000 | 22,922,000 | 23,518,000 | 24,105,000 |
| Risk-weighted assets | 151,757,000 | 151,881,000 | 153,905,000 | 150,102,000 |