Call reports 2012
EXCHANGE BANK — 2012
What EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 225,047,000 | 222,918,000 | 224,954,000 | 225,216,000 |
| Total loans | 119,948,000 | 113,081,000 | 111,156,000 | 110,914,000 |
| Allowance for loan losses | 3,661,000 | 3,596,000 | 3,433,000 | 3,317,000 |
| Securities available for sale | 67,357,000 | 75,108,000 | 76,973,000 | 79,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,009,000 | 195,800,000 | 197,315,000 | 197,447,000 |
| Interest-bearing deposits | 190,445,000 | 188,354,000 | 188,318,000 | 190,900,000 |
| Noninterest-bearing deposits | 8,564,000 | 7,446,000 | 8,997,000 | 6,547,000 |
| Equity capital | 21,458,000 | 22,476,000 | 22,984,000 | 23,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,329,000 | 4,622,000 | 6,907,000 | 9,195,000 |
| Interest expense | 461,000 | 884,000 | 1,292,000 | 1,680,000 |
| Net interest income | 1,868,000 | 3,738,000 | 5,615,000 | 7,515,000 |
| Noninterest income | 254,000 | 607,000 | 1,059,000 | 1,594,000 |
| Noninterest expense | 1,576,000 | 3,222,000 | 4,889,000 | 6,442,000 |
| Provision for loan losses | 1,000 | 0 | 2,000 | 12,000 |
| Pretax income | 867,000 | 1,445,000 | 2,190,000 | 3,109,000 |
| Income tax | 330,000 | 538,000 | 819,000 | 1,048,000 |
| Net income | 537,000 | 907,000 | 1,371,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,564,000 | 19,283,000 | 19,770,000 | 21,594,000 |
| Total capital | 20,289,000 | 20,932,000 | 21,395,000 | 23,196,000 |
| Risk-weighted assets | 136,103,000 | 129,950,000 | 128,226,000 | 126,410,000 |