Call reports 2016
EXCHANGE BANK AND TRUST COMPANY — 2016
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 129,991,000 | 125,602,000 | 127,601,000 | 120,884,000 |
| Total loans | 48,149,000 | 48,585,000 | 51,889,000 | 52,474,000 |
| Allowance for loan losses | 735,000 | 642,000 | 644,000 | 643,000 |
| Securities available for sale | 73,845,000 | 72,944,000 | 68,764,000 | 62,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,068,000 | 109,138,000 | 107,268,000 | 97,793,000 |
| Interest-bearing deposits | 84,139,000 | 79,503,000 | 78,410,000 | 69,308,000 |
| Noninterest-bearing deposits | 29,929,000 | 29,635,000 | 28,858,000 | 28,485,000 |
| Equity capital | 15,658,000 | 16,148,000 | 16,011,000 | 13,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,071,000 | 2,152,000 | 3,283,000 | 4,367,000 |
| Interest expense | 40,000 | 72,000 | 113,000 | 153,000 |
| Net interest income | 1,031,000 | 2,080,000 | 3,170,000 | 4,214,000 |
| Noninterest income | 144,000 | 320,000 | 472,000 | 637,000 |
| Noninterest expense | 669,000 | 1,388,000 | 2,138,000 | 2,883,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 506,000 | 1,024,000 | 1,516,000 | 2,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 506,000 | 1,024,000 | 1,516,000 | 2,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,378,000 | 14,396,000 | 14,387,000 | 14,077,000 |
| Total capital | 15,092,000 | 15,038,000 | 15,031,000 | 14,720,000 |
| Risk-weighted assets | 57,162,000 | 55,754,000 | 59,294,000 | 57,651,000 |