Call reports 2015
EXCHANGE BANK OF MISSOURI — 2015
What EXCHANGE BANK OF MISSOURI 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 | 156,981,000 | 164,846,000 | 164,949,000 | 172,822,000 |
| Total loans | 117,533,000 | 130,272,000 | 134,376,000 | 138,209,000 |
| Allowance for loan losses | 1,035,000 | 1,066,000 | 1,090,000 | 1,105,000 |
| Securities available for sale | 18,595,000 | 18,414,000 | 14,505,000 | 14,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,150,000 | 132,840,000 | 131,304,000 | 141,296,000 |
| Interest-bearing deposits | 112,836,000 | 112,697,000 | 111,507,000 | 119,396,000 |
| Noninterest-bearing deposits | 21,314,000 | 20,143,000 | 19,797,000 | 21,900,000 |
| Equity capital | 17,367,000 | 17,701,000 | 18,143,000 | 18,460,000 |
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 | 1,602,000 | 3,358,000 | 5,180,000 | 7,057,000 |
| Interest expense | 202,000 | 415,000 | 659,000 | 920,000 |
| Net interest income | 1,400,000 | 2,943,000 | 4,521,000 | 6,137,000 |
| Noninterest income | 209,000 | 492,000 | 757,000 | 1,030,000 |
| Noninterest expense | 1,103,000 | 2,306,000 | 3,475,000 | 4,702,000 |
| Provision for loan losses | 54,000 | 109,000 | 164,000 | 218,000 |
| Pretax income | 460,000 | 1,028,000 | 1,647,000 | 2,268,000 |
| Income tax | 163,000 | 323,000 | 559,000 | 811,000 |
| Net income | 297,000 | 705,000 | 1,088,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,248,000 | 15,670,000 | 16,064,000 | 16,443,000 |
| Total capital | 16,283,000 | 16,736,000 | 17,154,000 | 17,548,000 |
| Risk-weighted assets | 119,341,000 | 131,486,000 | 136,042,000 | 140,262,000 |