Call reports 2015
EXCHANGE BANK — 2015
What EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 229,572,000 | 227,079,000 | 228,575,000 | 228,425,000 |
| Total loans | 118,817,000 | 124,802,000 | 129,091,000 | 123,163,000 |
| Allowance for loan losses | 2,836,000 | 2,873,000 | 2,869,000 | 2,671,000 |
| Securities available for sale | 87,521,000 | 87,126,000 | 83,198,000 | 80,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,253,000 | 199,226,000 | 198,013,000 | 198,818,000 |
| Interest-bearing deposits | 191,979,000 | 189,851,000 | 186,615,000 | 188,981,000 |
| Noninterest-bearing deposits | 9,274,000 | 9,375,000 | 11,398,000 | 9,837,000 |
| Equity capital | 27,415,000 | 27,213,000 | 27,907,000 | 28,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,170,000 | 4,380,000 | 6,638,000 | 9,365,000 |
| Interest expense | 248,000 | 494,000 | 735,000 | 970,000 |
| Net interest income | 1,922,000 | 3,886,000 | 5,903,000 | 8,395,000 |
| Noninterest income | 503,000 | 923,000 | 1,339,000 | 1,632,000 |
| Noninterest expense | 1,629,000 | 3,255,000 | 4,968,000 | 6,755,000 |
| Provision for loan losses | 1,000 | 1,000 | 0 | -716,000 |
| Pretax income | 893,000 | 1,657,000 | 2,403,000 | 4,113,000 |
| Income tax | 153,000 | 412,000 | 657,000 | 1,230,000 |
| Net income | 740,000 | 1,245,000 | 1,746,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,220,000 | 26,621,000 | 27,019,000 | 28,053,000 |
| Total capital | 27,998,000 | 28,483,000 | 28,900,000 | 29,849,000 |
| Risk-weighted assets | 141,049,000 | 147,820,000 | 149,457,000 | 142,823,000 |