Call reports 2010
EXCHANGE BANK AND TRUST COMPANY — 2010
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 111,073,000 | 104,324,000 | 95,978,000 | 97,050,000 |
| Total loans | 40,707,000 | 39,622,000 | 40,437,000 | 41,375,000 |
| Allowance for loan losses | 988,000 | 998,000 | 1,007,000 | 1,015,000 |
| Securities available for sale | 40,803,000 | 43,295,000 | 39,658,000 | 42,600,000 |
| Securities held to maturity | 3,985,000 | 2,798,000 | 2,005,000 | 1,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,752,000 | 83,489,000 | 76,934,000 | 81,720,000 |
| Interest-bearing deposits | 67,604,000 | 65,589,000 | 58,438,000 | 60,642,000 |
| Noninterest-bearing deposits | 18,148,000 | 17,900,000 | 18,496,000 | 21,079,000 |
| Equity capital | 15,018,000 | 15,386,000 | 15,470,000 | 14,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,324,000 | 3,472,000 | 4,591,000 |
| Interest expense | 132,000 | 259,000 | 373,000 | 477,000 |
| Net interest income | 1,033,000 | 2,065,000 | 3,099,000 | 4,114,000 |
| Noninterest income | 190,000 | 369,000 | 546,000 | 914,000 |
| Noninterest expense | 801,000 | 1,602,000 | 2,390,000 | 3,213,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 427,000 | 853,000 | 1,276,000 | 1,836,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 427,000 | 853,000 | 1,276,000 | 1,836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,639,000 | 11,580,000 | 11,601,000 | 11,078,000 |
| Total capital | 12,226,000 | 12,145,000 | 11,961,000 | 11,657,000 |
| Risk-weighted assets | 45,796,000 | 44,419,000 | 43,332,000 | 45,129,000 |