Call reports 2008
EXCHANGE BANK — 2008
What EXCHANGE BANK 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 | 219,632,000 | 232,060,000 | 229,906,000 | 230,342,000 |
| Total loans | 147,447,000 | 144,745,000 | 147,404,000 | 151,604,000 |
| Allowance for loan losses | 2,800,000 | 2,731,000 | 2,781,000 | 2,374,000 |
| Securities available for sale | 45,446,000 | 64,634,000 | 60,678,000 | 58,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,223,000 | 198,367,000 | 196,431,000 | 196,048,000 |
| Interest-bearing deposits | 176,602,000 | 188,182,000 | 188,631,000 | 186,843,000 |
| Noninterest-bearing deposits | 7,621,000 | 10,185,000 | 7,800,000 | 9,205,000 |
| Equity capital | 24,176,000 | 23,474,000 | 23,232,000 | 24,271,000 |
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 | 3,130,000 | 6,110,000 | 9,365,000 | 12,257,000 |
| Interest expense | 1,466,000 | 2,879,000 | 4,292,000 | 5,599,000 |
| Net interest income | 1,664,000 | 3,231,000 | 5,073,000 | 6,658,000 |
| Noninterest income | 491,000 | 846,000 | 1,375,000 | 2,093,000 |
| Noninterest expense | 1,641,000 | 3,271,000 | 5,720,000 | 7,297,000 |
| Provision for loan losses | 38,000 | 80,000 | 123,000 | 169,000 |
| Pretax income | 509,000 | 760,000 | 639,000 | 1,320,000 |
| Income tax | 153,000 | 193,000 | 410,000 | 241,000 |
| Net income | 356,000 | 567,000 | 229,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,731,000 | 23,860,000 | 23,701,000 | 24,276,000 |
| Total capital | 25,814,000 | 25,975,000 | 25,811,000 | 26,414,000 |
| Risk-weighted assets | 165,895,000 | 168,584,000 | 167,762,000 | 170,804,000 |