Call reports 2007
EXCHANGE BANK AND TRUST COMPANY — 2007
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,829,000 | 95,326,000 | 89,511,000 | 84,694,000 |
| Total loans | 51,181,000 | 42,126,000 | 37,716,000 | 34,266,000 |
| Allowance for loan losses | 954,000 | 1,026,000 | 606,000 | 610,000 |
| Securities available for sale | 27,069,000 | 34,651,000 | 32,315,000 | 31,854,000 |
| Securities held to maturity | 9,950,000 | 8,405,000 | 7,850,000 | 7,155,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,434,000 | 81,300,000 | 75,567,000 | 71,378,000 |
| Interest-bearing deposits | 68,695,000 | 63,099,000 | 56,838,000 | 53,461,000 |
| Noninterest-bearing deposits | 18,739,000 | 18,201,000 | 18,729,000 | 17,917,000 |
| Equity capital | 14,372,000 | 12,901,000 | 11,790,000 | 12,141,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,375,000 | 2,761,000 | 3,995,000 | 5,122,000 |
| Interest expense | 450,000 | 868,000 | 1,239,000 | 1,538,000 |
| Net interest income | 925,000 | 1,893,000 | 2,756,000 | 3,584,000 |
| Noninterest income | 217,000 | 409,000 | 726,000 | 976,000 |
| Noninterest expense | 941,000 | 1,878,000 | 3,686,000 | 4,610,000 |
| Provision for loan losses | 0 | 1,000,000 | 1,744,000 | 1,744,000 |
| Pretax income | 201,000 | -581,000 | -1,955,000 | -1,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | -581,000 | -1,955,000 | -1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,821,000 | 9,645,000 | 8,377,000 | 8,628,000 |
| Total capital | 11,486,000 | 9,764,000 | 8,891,000 | 9,128,000 |
| Risk-weighted assets | 54,603,000 | 48,280,000 | 41,023,000 | 39,886,000 |