Call reports 2014
EXCHANGE BANK AND TRUST COMPANY — 2014
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 119,776,000 | 118,435,000 | 117,990,000 | 116,407,000 |
| Total loans | 47,384,000 | 47,661,000 | 48,628,000 | 48,545,000 |
| Allowance for loan losses | 752,000 | 752,000 | 748,000 | 747,000 |
| Securities available for sale | 65,472,000 | 64,838,000 | 62,258,000 | 60,383,000 |
| Securities held to maturity | 38,000 | 36,000 | 35,000 | 35,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,662,000 | 100,019,000 | 98,176,000 | 98,187,000 |
| Interest-bearing deposits | 81,565,000 | 79,381,000 | 74,543,000 | 74,633,000 |
| Noninterest-bearing deposits | 23,097,000 | 20,638,000 | 23,633,000 | 23,554,000 |
| Equity capital | 14,873,000 | 15,130,000 | 14,965,000 | 15,006,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,196,000 | 3,310,000 | 4,408,000 |
| Interest expense | 56,000 | 104,000 | 160,000 | 212,000 |
| Net interest income | 1,036,000 | 2,092,000 | 3,150,000 | 4,196,000 |
| Noninterest income | 143,000 | 292,000 | 465,000 | 672,000 |
| Noninterest expense | 795,000 | 1,608,000 | 2,432,000 | 3,217,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 388,000 | 797,000 | 1,204,000 | 1,673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 388,000 | 797,000 | 1,204,000 | 1,673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,250,000 | 13,265,000 | 13,279,000 | 13,355,000 |
| Total capital | 13,927,000 | 13,940,000 | 13,964,000 | 14,029,000 |
| Risk-weighted assets | 54,117,000 | 54,438,000 | 54,730,000 | 53,893,000 |