Call reports 2008
EXCHANGE BANK AND TRUST COMPANY — 2008
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,785,000 | 89,732,000 | 92,988,000 | 95,809,000 |
| Total loans | 34,723,000 | 34,484,000 | 35,512,000 | 36,816,000 |
| Allowance for loan losses | 748,000 | 771,000 | 780,000 | 795,000 |
| Securities available for sale | 35,611,000 | 36,902,000 | 41,811,000 | 41,729,000 |
| Securities held to maturity | 6,588,000 | 6,094,000 | 5,558,000 | 5,038,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,649,000 | 77,156,000 | 79,893,000 | 74,386,000 |
| Interest-bearing deposits | 59,567,000 | 58,385,000 | 60,123,000 | 57,894,000 |
| Noninterest-bearing deposits | 17,083,000 | 18,771,000 | 19,771,000 | 16,493,000 |
| Equity capital | 12,407,000 | 12,148,000 | 12,712,000 | 13,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,187,000 | 2,343,000 | 3,481,000 | 4,671,000 |
| Interest expense | 280,000 | 514,000 | 744,000 | 956,000 |
| Net interest income | 907,000 | 1,829,000 | 2,737,000 | 3,715,000 |
| Noninterest income | 305,000 | 480,000 | 672,000 | 837,000 |
| Noninterest expense | 899,000 | 1,785,000 | 2,627,000 | 3,461,000 |
| Provision for loan losses | 126,000 | 126,000 | 126,000 | 126,000 |
| Pretax income | 187,000 | 398,000 | 656,000 | 965,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 187,000 | 398,000 | 656,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,930,000 | 9,247,000 | 9,613,000 | 10,029,000 |
| Total capital | 9,446,000 | 9,729,000 | 10,120,000 | 10,554,000 |
| Risk-weighted assets | 41,080,000 | 38,257,000 | 39,541,000 | 40,968,000 |