Call reports 2006
EXCHANGE BANK AND TRUST COMPANY — 2006
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 100,371,000 | 99,073,000 | 97,124,000 | 98,499,000 |
| Total loans | 50,319,000 | 50,316,000 | 50,893,000 | 50,234,000 |
| Allowance for loan losses | 947,000 | 945,000 | 944,000 | 948,000 |
| Securities available for sale | 20,892,000 | 24,710,000 | 23,803,000 | 19,665,000 |
| Securities held to maturity | 12,695,000 | 12,282,000 | 11,826,000 | 10,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,251,000 | 83,900,000 | 81,758,000 | 82,869,000 |
| Interest-bearing deposits | 69,910,000 | 65,843,000 | 36,316,000 | 63,569,000 |
| Noninterest-bearing deposits | 15,341,000 | 18,057,000 | 45,442,000 | 19,300,000 |
| Equity capital | 13,678,000 | 13,503,000 | 14,162,000 | 14,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,747,000 | 4,166,000 | 5,553,000 |
| Interest expense | 347,000 | 754,000 | 1,121,000 | 1,499,000 |
| Net interest income | 993,000 | 1,993,000 | 3,045,000 | 4,054,000 |
| Noninterest income | 221,000 | 449,000 | 623,000 | 825,000 |
| Noninterest expense | 951,000 | 1,850,000 | 2,782,000 | 3,625,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 263,000 | 592,000 | 886,000 | 1,263,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 263,000 | 592,000 | 886,000 | 1,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,902,000 | 10,134,000 | 10,534,000 | 10,765,000 |
| Total capital | 10,515,000 | 10,736,000 | 11,199,000 | 11,379,000 |
| Risk-weighted assets | 48,725,000 | 48,835,000 | 52,938,000 | 48,877,000 |