Call reports 2016
EXCHANGE BANK — 2016
What EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 229,484,000 | 234,026,000 | 236,774,000 | 237,647,000 |
| Total loans | 127,882,000 | 137,431,000 | 140,696,000 | 134,531,000 |
| Allowance for loan losses | 2,629,000 | 2,650,000 | 2,654,000 | 2,679,000 |
| Securities available for sale | 77,269,000 | 67,416,000 | 75,068,000 | 82,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,156,000 | 202,641,000 | 205,339,000 | 207,275,000 |
| Interest-bearing deposits | 189,632,000 | 192,965,000 | 194,997,000 | 199,184,000 |
| Noninterest-bearing deposits | 9,524,000 | 9,676,000 | 10,342,000 | 8,091,000 |
| Equity capital | 29,749,000 | 30,403,000 | 30,535,000 | 29,651,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,354,000 | 4,687,000 | 7,026,000 | 9,455,000 |
| Interest expense | 223,000 | 437,000 | 656,000 | 877,000 |
| Net interest income | 2,131,000 | 4,250,000 | 6,370,000 | 8,578,000 |
| Noninterest income | 448,000 | 1,011,000 | 1,451,000 | 1,892,000 |
| Noninterest expense | 1,701,000 | 3,402,000 | 5,144,000 | 6,893,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 893,000 | 2,029,000 | 2,847,000 | 3,742,000 |
| Income tax | 295,000 | 703,000 | 990,000 | 1,144,000 |
| Net income | 598,000 | 1,326,000 | 1,857,000 | 2,598,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,523,000 | 28,899,000 | 29,221,000 | 29,802,000 |
| Total capital | 30,329,000 | 30,785,000 | 31,149,000 | 31,680,000 |
| Risk-weighted assets | 143,598,000 | 150,107,000 | 153,537,000 | 149,422,000 |