Call reports 2013
EXCHANGE BANK OF MISSOURI — 2013
What EXCHANGE BANK OF MISSOURI 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 | 120,555,000 | 122,267,000 | 127,372,000 | 130,451,000 |
| Total loans | 84,085,000 | 95,136,000 | 98,597,000 | 98,815,000 |
| Allowance for loan losses | 500,000 | 661,000 | 751,000 | 890,000 |
| Securities available for sale | 15,376,000 | 14,221,000 | 13,331,000 | 12,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,264,000 | 103,523,000 | 106,088,000 | 111,119,000 |
| Interest-bearing deposits | 88,565,000 | 88,383,000 | 90,809,000 | 72,211,000 |
| Noninterest-bearing deposits | 15,699,000 | 15,140,000 | 15,279,000 | 38,908,000 |
| Equity capital | 14,946,000 | 15,244,000 | 15,497,000 | 15,641,000 |
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 | 1,286,000 | 2,634,000 | 4,092,000 | 5,557,000 |
| Interest expense | 184,000 | 361,000 | 541,000 | 727,000 |
| Net interest income | 1,102,000 | 2,273,000 | 3,551,000 | 4,830,000 |
| Noninterest income | 222,000 | 530,000 | 807,000 | 1,031,000 |
| Noninterest expense | 860,000 | 1,738,000 | 2,687,000 | 3,723,000 |
| Provision for loan losses | 59,000 | 227,000 | 391,000 | 574,000 |
| Pretax income | 405,000 | 838,000 | 1,280,000 | 1,564,000 |
| Income tax | 101,000 | 219,000 | 400,000 | 560,000 |
| Net income | 304,000 | 619,000 | 880,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,446,000 | 12,787,000 | 13,017,000 | 13,166,000 |
| Total capital | 12,946,000 | 13,448,000 | 13,768,000 | 14,056,000 |
| Risk-weighted assets | 88,565,000 | 98,741,000 | 102,819,000 | 102,930,000 |