Call reports 2014
EXCHANGE BANK — 2014
What EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 228,221,000 | 224,374,000 | 220,696,000 | 225,286,000 |
| Total loans | 102,105,000 | 106,824,000 | 111,630,000 | 115,849,000 |
| Allowance for loan losses | 2,747,000 | 2,723,000 | 2,724,000 | 2,849,000 |
| Securities available for sale | 87,699,000 | 91,505,000 | 90,946,000 | 87,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,259,000 | 199,169,000 | 194,512,000 | 198,119,000 |
| Interest-bearing deposits | 191,367,000 | 189,979,000 | 186,172,000 | 189,372,000 |
| Noninterest-bearing deposits | 8,892,000 | 9,190,000 | 8,340,000 | 8,747,000 |
| Equity capital | 23,612,000 | 24,562,000 | 25,255,000 | 26,532,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,069,000 | 4,207,000 | 6,454,000 | 8,697,000 |
| Interest expense | 305,000 | 599,000 | 859,000 | 1,117,000 |
| Net interest income | 1,764,000 | 3,608,000 | 5,595,000 | 7,580,000 |
| Noninterest income | 274,000 | 610,000 | 912,000 | 1,359,000 |
| Noninterest expense | 1,685,000 | 3,377,000 | 5,039,000 | 6,626,000 |
| Provision for loan losses | 2,000 | 3,000 | 2,000 | 1,000 |
| Pretax income | 455,000 | 1,155,000 | 1,783,000 | 2,635,000 |
| Income tax | 167,000 | 384,000 | 408,000 | 540,000 |
| Net income | 288,000 | 771,000 | 1,375,000 | 2,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,000,000 | 24,438,000 | 24,971,000 | 25,591,000 |
| Total capital | 25,600,000 | 26,060,000 | 26,619,000 | 27,283,000 |
| Risk-weighted assets | 126,860,000 | 128,627,000 | 130,755,000 | 134,200,000 |