Call reports 2014
EXCHANGE BANK OF MISSOURI — 2014
What EXCHANGE BANK OF MISSOURI 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 | 139,627,000 | 143,245,000 | 142,171,000 | 149,740,000 |
| Total loans | 100,791,000 | 108,039,000 | 113,321,000 | 116,136,000 |
| Allowance for loan losses | 880,000 | 888,000 | 931,000 | 984,000 |
| Securities available for sale | 16,220,000 | 16,429,000 | 13,232,000 | 13,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,979,000 | 119,050,000 | 119,276,000 | 127,405,000 |
| Interest-bearing deposits | 102,901,000 | 101,145,000 | 102,371,000 | 107,399,000 |
| Noninterest-bearing deposits | 17,078,000 | 17,905,000 | 16,905,000 | 20,006,000 |
| Equity capital | 15,906,000 | 16,326,000 | 16,639,000 | 17,026,000 |
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 | 1,410,000 | 2,938,000 | 4,537,000 | 6,233,000 |
| Interest expense | 190,000 | 375,000 | 564,000 | 765,000 |
| Net interest income | 1,220,000 | 2,563,000 | 3,973,000 | 5,468,000 |
| Noninterest income | 205,000 | 440,000 | 658,000 | 917,000 |
| Noninterest expense | 1,027,000 | 2,120,000 | 3,164,000 | 4,215,000 |
| Provision for loan losses | 2,000 | 8,000 | 51,000 | 106,000 |
| Pretax income | 396,000 | 884,000 | 1,443,000 | 2,118,000 |
| Income tax | 130,000 | 264,000 | 475,000 | 740,000 |
| Net income | 266,000 | 620,000 | 968,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,458,000 | 13,839,000 | 14,214,000 | 14,651,000 |
| Total capital | 14,338,000 | 14,727,000 | 15,145,000 | 15,635,000 |
| Risk-weighted assets | 104,534,000 | 110,914,000 | 115,273,000 | 119,037,000 |