Call reports 2009
EXCHANGE BANK AND TRUST COMPANY — 2009
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 99,910,000 | 98,537,000 | 99,601,000 | 101,072,000 |
| Total loans | 36,125,000 | 37,361,000 | 38,936,000 | 39,025,000 |
| Allowance for loan losses | 772,000 | 770,000 | 939,000 | 958,000 |
| Securities available for sale | 41,120,000 | 40,805,000 | 39,727,000 | 38,543,000 |
| Securities held to maturity | 4,618,000 | 4,214,000 | 4,136,000 | 4,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,393,000 | 75,665,000 | 77,230,000 | 75,712,000 |
| Interest-bearing deposits | 30,595,000 | 30,043,000 | 31,096,000 | 57,233,000 |
| Noninterest-bearing deposits | 49,798,000 | 45,622,000 | 46,134,000 | 18,479,000 |
| Equity capital | 14,260,000 | 14,221,000 | 14,555,000 | 14,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,430,000 | 3,622,000 | 4,877,000 |
| Interest expense | 191,000 | 359,000 | 510,000 | 646,000 |
| Net interest income | 1,033,000 | 2,071,000 | 3,112,000 | 4,231,000 |
| Noninterest income | 172,000 | 363,000 | 542,000 | 730,000 |
| Noninterest expense | 846,000 | 1,680,000 | 2,479,000 | 3,289,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 359,000 | 754,000 | 1,175,000 | 1,672,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 359,000 | 754,000 | 1,175,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,492,000 | 10,684,000 | 10,712,000 | 11,016,000 |
| Total capital | 11,016,000 | 11,249,000 | 11,264,000 | 11,566,000 |
| Risk-weighted assets | 43,889,000 | 44,235,000 | 43,004,000 | 43,701,000 |