Call reports 2009
EXCHANGE BANK — 2009
What EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 227,932,000 | 216,163,000 | 219,420,000 | 230,614,000 |
| Total loans | 152,291,000 | 155,114,000 | 154,471,000 | 151,888,000 |
| Allowance for loan losses | 2,454,000 | 2,521,000 | 2,082,000 | 2,444,000 |
| Securities available for sale | 55,613,000 | 42,989,000 | 41,005,000 | 49,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,484,000 | 182,237,000 | 184,759,000 | 197,046,000 |
| Interest-bearing deposits | 185,314,000 | 174,397,000 | 176,785,000 | 190,992,000 |
| Noninterest-bearing deposits | 8,170,000 | 7,840,000 | 7,974,000 | 6,054,000 |
| Equity capital | 24,400,000 | 23,808,000 | 24,513,000 | 23,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,781,000 | 5,483,000 | 8,172,000 | 10,663,000 |
| Interest expense | 1,107,000 | 2,131,000 | 3,154,000 | 4,186,000 |
| Net interest income | 1,674,000 | 3,352,000 | 5,018,000 | 6,477,000 |
| Noninterest income | 552,000 | 277,000 | 809,000 | 1,233,000 |
| Noninterest expense | 1,604,000 | 3,351,000 | 5,084,000 | 6,716,000 |
| Provision for loan losses | 95,000 | 337,000 | 580,000 | 1,669,000 |
| Pretax income | 527,000 | 37,000 | 258,000 | -580,000 |
| Income tax | 150,000 | 245,000 | 263,000 | -125,000 |
| Net income | 377,000 | -208,000 | -5,000 | -455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,399,000 | 23,678,000 | 23,702,000 | 23,070,000 |
| Total capital | 26,528,000 | 25,804,000 | 25,784,000 | 25,278,000 |
| Risk-weighted assets | 170,007,000 | 169,711,000 | 172,591,000 | 176,350,000 |