Call reports 2007
EXCHANGE BANK — 2007
What EXCHANGE BANK 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 | 210,157,000 | 207,417,000 | 202,632,000 | 206,103,000 |
| Total loans | 136,558,000 | 137,874,000 | 140,900,000 | 144,527,000 |
| Allowance for loan losses | 2,792,000 | 2,759,000 | 2,763,000 | 2,761,000 |
| Securities available for sale | 42,590,000 | 43,326,000 | 45,330,000 | 41,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,324,000 | 173,242,000 | 167,556,000 | 170,601,000 |
| Interest-bearing deposits | 150,969,000 | 166,195,000 | 161,026,000 | 162,672,000 |
| Noninterest-bearing deposits | 24,355,000 | 7,047,000 | 6,530,000 | 7,929,000 |
| Equity capital | 22,567,000 | 22,729,000 | 23,580,000 | 24,115,000 |
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 | 3,415,000 | 6,947,000 | 10,426,000 | 13,752,000 |
| Interest expense | 1,341,000 | 2,769,000 | 4,224,000 | 5,691,000 |
| Net interest income | 2,074,000 | 4,178,000 | 6,202,000 | 8,061,000 |
| Noninterest income | 446,000 | 1,135,000 | 1,876,000 | 2,386,000 |
| Noninterest expense | 1,514,000 | 3,054,000 | 4,628,000 | 6,201,000 |
| Provision for loan losses | 1,000 | 4,000 | 17,000 | 24,000 |
| Pretax income | 1,010,000 | 2,260,000 | 3,438,000 | 4,227,000 |
| Income tax | 308,000 | 785,000 | 1,177,000 | 1,415,000 |
| Net income | 702,000 | 1,475,000 | 2,261,000 | 2,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,795,000 | 23,373,000 | 23,889,000 | 23,998,000 |
| Total capital | 24,739,000 | 25,323,000 | 25,907,000 | 26,021,000 |
| Risk-weighted assets | 154,655,000 | 155,204,000 | 160,705,000 | 161,093,000 |