Call reports 2015
EXCHANGE BANK AND TRUST COMPANY — 2015
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 129,139,000 | 130,213,000 | 129,126,000 | 122,863,000 |
| Total loans | 47,331,000 | 48,480,000 | 50,533,000 | 50,075,000 |
| Allowance for loan losses | 743,000 | 739,000 | 735,000 | 732,000 |
| Securities available for sale | 73,590,000 | 70,962,000 | 68,996,000 | 68,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,229,000 | 111,043,000 | 113,592,000 | 97,949,000 |
| Interest-bearing deposits | 85,902,000 | 83,467,000 | 85,559,000 | 69,786,000 |
| Noninterest-bearing deposits | 27,327,000 | 27,576,000 | 28,032,000 | 28,163,000 |
| Equity capital | 15,645,000 | 14,844,000 | 15,149,000 | 14,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,086,000 | 2,175,000 | 3,273,000 | 4,436,000 |
| Interest expense | 49,000 | 90,000 | 124,000 | 157,000 |
| Net interest income | 1,037,000 | 2,085,000 | 3,149,000 | 4,279,000 |
| Noninterest income | 147,000 | 295,000 | 448,000 | 608,000 |
| Noninterest expense | 786,000 | 1,579,000 | 2,361,000 | 3,030,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 398,000 | 834,000 | 1,266,000 | 1,887,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 398,000 | 834,000 | 1,266,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,977,000 | 13,957,000 | 13,925,000 | 13,871,000 |
| Total capital | 14,599,000 | 14,589,000 | 14,603,000 | 14,548,000 |
| Risk-weighted assets | 49,606,000 | 50,467,000 | 54,167,000 | 54,115,000 |