Call reports 2011
EXCHANGE BANK — 2011
What EXCHANGE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 230,059,000 | 222,111,000 | 220,177,000 | 218,708,000 |
| Total loans | 131,497,000 | 125,214,000 | 123,788,000 | 122,485,000 |
| Allowance for loan losses | 2,773,000 | 3,010,000 | 3,241,000 | 3,664,000 |
| Securities available for sale | 59,963,000 | 63,381,000 | 63,017,000 | 66,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,340,000 | 197,094,000 | 195,690,000 | 193,194,000 |
| Interest-bearing deposits | 197,118,000 | 190,161,000 | 188,506,000 | 186,688,000 |
| Noninterest-bearing deposits | 7,222,000 | 6,933,000 | 7,184,000 | 6,506,000 |
| Equity capital | 21,354,000 | 20,492,000 | 20,111,000 | 21,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,356,000 | 4,797,000 | 7,231,000 | 9,633,000 |
| Interest expense | 765,000 | 1,381,000 | 1,927,000 | 2,434,000 |
| Net interest income | 1,591,000 | 3,416,000 | 5,304,000 | 7,199,000 |
| Noninterest income | 275,000 | 519,000 | -202,000 | 151,000 |
| Noninterest expense | 1,587,000 | 3,203,000 | 4,874,000 | 6,446,000 |
| Provision for loan losses | 1,189,000 | 3,238,000 | 3,653,000 | 3,952,000 |
| Pretax income | -910,000 | -2,440,000 | -3,359,000 | -2,981,000 |
| Income tax | -95,000 | -95,000 | -95,000 | -643,000 |
| Net income | -815,000 | -2,345,000 | -3,264,000 | -2,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,720,000 | 18,533,000 | 17,892,000 | 18,170,000 |
| Total capital | 21,751,000 | 20,370,000 | 19,679,000 | 19,930,000 |
| Risk-weighted assets | 161,775,000 | 145,788,000 | 141,489,000 | 138,872,000 |