Call reports 2013
EXCHANGE BANK — 2013
What EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,984,000 | 225,434,000 | 222,378,000 | 222,315,000 |
| Total loans | 108,492,000 | 109,056,000 | 106,140,000 | 103,785,000 |
| Allowance for loan losses | 3,262,000 | 3,204,000 | 3,214,000 | 2,667,000 |
| Securities available for sale | 85,525,000 | 84,171,000 | 86,419,000 | 85,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,755,000 | 198,027,000 | 195,948,000 | 195,191,000 |
| Interest-bearing deposits | 189,250,000 | 189,751,000 | 189,494,000 | 187,581,000 |
| Noninterest-bearing deposits | 8,505,000 | 8,276,000 | 6,454,000 | 7,610,000 |
| Equity capital | 23,989,000 | 23,094,000 | 21,931,000 | 22,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,170,000 | 4,342,000 | 6,548,000 | 8,893,000 |
| Interest expense | 355,000 | 695,000 | 1,026,000 | 1,350,000 |
| Net interest income | 1,815,000 | 3,647,000 | 5,522,000 | 7,543,000 |
| Noninterest income | 537,000 | 999,000 | 1,346,000 | 1,484,000 |
| Noninterest expense | 1,681,000 | 3,316,000 | 4,904,000 | 6,426,000 |
| Provision for loan losses | -2,000 | -2,000 | 1,000 | 1,000 |
| Pretax income | 673,000 | 1,327,000 | 1,958,000 | 2,609,000 |
| Income tax | 115,000 | 336,000 | 549,000 | 669,000 |
| Net income | 558,000 | 991,000 | 1,409,000 | 1,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,142,000 | 22,491,000 | 22,844,000 | 23,794,000 |
| Total capital | 23,726,000 | 24,093,000 | 24,446,000 | 25,371,000 |
| Risk-weighted assets | 125,075,000 | 126,527,000 | 126,070,000 | 125,051,000 |
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