Call reports 2016
EXCHANGE BANK OF MISSOURI — 2016
What EXCHANGE BANK OF MISSOURI 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 | 183,518,000 | 177,582,000 | 175,719,000 | 179,014,000 |
| Total loans | 142,487,000 | 141,311,000 | 138,732,000 | 136,904,000 |
| Allowance for loan losses | 1,136,000 | 1,192,000 | 1,587,000 | 1,405,000 |
| Securities available for sale | 15,686,000 | 15,364,000 | 15,993,000 | 16,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,730,000 | 152,165,000 | 148,510,000 | 152,262,000 |
| Interest-bearing deposits | 129,643,000 | 132,412,000 | 128,663,000 | 129,483,000 |
| Noninterest-bearing deposits | 24,087,000 | 19,753,000 | 19,847,000 | 22,779,000 |
| Equity capital | 16,569,000 | 17,134,000 | 18,584,000 | 18,806,000 |
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 | 1,869,000 | 3,813,000 | 5,744,000 | 7,672,000 |
| Interest expense | 296,000 | 599,000 | 896,000 | 1,181,000 |
| Net interest income | 1,573,000 | 3,214,000 | 4,848,000 | 6,491,000 |
| Noninterest income | 267,000 | 697,000 | 983,000 | 1,285,000 |
| Noninterest expense | 4,909,000 | 6,198,000 | 7,455,000 | 8,638,000 |
| Provision for loan losses | 55,000 | 109,000 | 514,000 | 570,000 |
| Pretax income | -3,124,000 | -2,223,000 | -1,965,000 | -1,259,000 |
| Income tax | -1,153,000 | -904,000 | -714,000 | -494,000 |
| Net income | -1,971,000 | -1,319,000 | -1,251,000 | -765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,482,000 | 15,145,000 | 16,514,000 | 17,016,000 |
| Total capital | 15,618,000 | 16,337,000 | 18,101,000 | 18,421,000 |
| Risk-weighted assets | 148,920,000 | 148,427,000 | 145,652,000 | 141,464,000 |