Call reports 2010
EXCHANGE BANK — 2010
What EXCHANGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 235,197,000 | 227,099,000 | 230,313,000 | 225,755,000 |
| Total loans | 147,002,000 | 140,175,000 | 139,290,000 | 136,831,000 |
| Allowance for loan losses | 2,742,000 | 2,235,000 | 2,719,000 | 3,010,000 |
| Securities available for sale | 52,368,000 | 55,418,000 | 47,700,000 | 55,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,266,000 | 193,768,000 | 197,457,000 | 194,172,000 |
| Interest-bearing deposits | 194,502,000 | 186,861,000 | 188,101,000 | 188,589,000 |
| Noninterest-bearing deposits | 6,764,000 | 6,907,000 | 9,356,000 | 5,583,000 |
| Equity capital | 23,848,000 | 23,495,000 | 22,915,000 | 21,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,144,000 | 7,619,000 | 10,069,000 |
| Interest expense | 951,000 | 1,863,000 | 2,736,000 | 3,568,000 |
| Net interest income | 1,615,000 | 3,281,000 | 4,883,000 | 6,501,000 |
| Noninterest income | 298,000 | 427,000 | 78,000 | 448,000 |
| Noninterest expense | 1,625,000 | 3,229,000 | 4,882,000 | 6,523,000 |
| Provision for loan losses | 341,000 | 1,267,000 | 1,908,000 | 2,771,000 |
| Pretax income | -53,000 | -788,000 | -1,589,000 | -2,105,000 |
| Income tax | -86,000 | -434,000 | -790,000 | -1,043,000 |
| Net income | 33,000 | -354,000 | -799,000 | -1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,058,000 | 22,626,000 | 22,134,000 | 20,747,000 |
| Total capital | 25,241,000 | 24,270,000 | 24,186,000 | 22,808,000 |
| Risk-weighted assets | 174,081,000 | 168,631,000 | 163,530,000 | 163,907,000 |