Call reports 2013
EXCHANGE BANK AND TRUST COMPANY — 2013
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 117,280,000 | 118,812,000 | 115,626,000 | 110,248,000 |
| Total loans | 46,760,000 | 47,206,000 | 46,745,000 | 46,242,000 |
| Allowance for loan losses | 794,000 | 795,000 | 757,000 | 754,000 |
| Securities available for sale | 59,953,000 | 64,165,000 | 61,039,000 | 58,962,000 |
| Securities held to maturity | 58,000 | 45,000 | 42,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,805,000 | 104,107,000 | 93,791,000 | 89,058,000 |
| Interest-bearing deposits | 78,327,000 | 80,073,000 | 70,567,000 | 67,434,000 |
| Noninterest-bearing deposits | 22,478,000 | 24,034,000 | 23,224,000 | 21,624,000 |
| Equity capital | 16,166,000 | 14,384,000 | 14,467,000 | 14,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,169,000 | 3,295,000 | 4,353,000 |
| Interest expense | 70,000 | 130,000 | 200,000 | 263,000 |
| Net interest income | 1,000,000 | 2,039,000 | 3,095,000 | 4,090,000 |
| Noninterest income | 138,000 | 288,000 | 439,000 | 603,000 |
| Noninterest expense | 783,000 | 1,582,000 | 2,391,000 | 3,150,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 355,000 | 745,000 | 1,143,000 | 1,552,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 355,000 | 745,000 | 1,143,000 | 1,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,640,000 | 12,635,000 | 12,641,000 | 12,757,000 |
| Total capital | 13,308,000 | 13,306,000 | 13,290,000 | 13,399,000 |
| Risk-weighted assets | 53,288,000 | 54,272,000 | 52,538,000 | 51,334,000 |