Call reports 2012
EXCHANGE BANK AND TRUST COMPANY — 2012
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 116,451,000 | 116,464,000 | 110,141,000 | 109,291,000 |
| Total loans | 44,002,000 | 47,397,000 | 47,340,000 | 47,079,000 |
| Allowance for loan losses | 778,000 | 789,000 | 796,000 | 791,000 |
| Securities available for sale | 63,415,000 | 60,597,000 | 57,223,000 | 54,206,000 |
| Securities held to maturity | 214,000 | 125,000 | 66,000 | 62,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,378,000 | 100,032,000 | 93,406,000 | 89,103,000 |
| Interest-bearing deposits | 79,559,000 | 79,398,000 | 71,692,000 | 68,121,000 |
| Noninterest-bearing deposits | 20,819,000 | 20,634,000 | 21,714,000 | 20,981,000 |
| Equity capital | 15,864,000 | 16,178,000 | 16,414,000 | 15,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,114,000 | 2,260,000 | 3,418,000 | 4,536,000 |
| Interest expense | 77,000 | 152,000 | 238,000 | 316,000 |
| Net interest income | 1,037,000 | 2,108,000 | 3,180,000 | 4,220,000 |
| Noninterest income | 160,000 | 326,000 | 600,000 | 839,000 |
| Noninterest expense | 794,000 | 1,610,000 | 2,428,000 | 3,238,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 824,000 | 1,352,000 | 1,821,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 403,000 | 824,000 | 1,352,000 | 1,821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,042,000 | 12,068,000 | 12,204,000 | 12,180,000 |
| Total capital | 12,684,000 | 12,742,000 | 12,847,000 | 12,815,000 |
| Risk-weighted assets | 51,305,000 | 53,819,000 | 51,317,000 | 50,629,000 |