Call reports 2017
EXCHANGE BANK & TRUST — 2017
What EXCHANGE BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 419,235,000 | 412,717,000 | 407,180,000 | 428,425,000 |
| Total loans | 263,951,000 | 273,911,000 | 276,890,000 | 275,032,000 |
| Allowance for loan losses | 3,650,000 | 3,756,000 | 3,846,000 | 3,717,000 |
| Securities available for sale | 93,527,000 | 95,110,000 | 92,203,000 | 95,496,000 |
| Securities held to maturity | 2,013,000 | 2,012,000 | 2,011,000 | 2,010,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,642,000 | 359,208,000 | 352,474,000 | 377,681,000 |
| Interest-bearing deposits | 338,799,000 | 331,682,000 | 325,575,000 | 345,679,000 |
| Noninterest-bearing deposits | 27,843,000 | 27,526,000 | 26,899,000 | 32,002,000 |
| Equity capital | 38,627,000 | 39,887,000 | 40,444,000 | 39,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,384,000 | 7,005,000 | 10,760,000 | 14,442,000 |
| Interest expense | 264,000 | 548,000 | 847,000 | 1,159,000 |
| Net interest income | 3,120,000 | 6,457,000 | 9,913,000 | 13,283,000 |
| Noninterest income | 670,000 | 1,651,000 | 2,350,000 | 3,061,000 |
| Noninterest expense | 2,106,000 | 4,313,000 | 6,489,000 | 9,198,000 |
| Provision for loan losses | 75,000 | 195,000 | 300,000 | 400,000 |
| Pretax income | 1,609,000 | 3,600,000 | 5,470,000 | 6,705,000 |
| Income tax | 525,000 | 1,084,000 | 1,707,000 | 2,477,000 |
| Net income | 1,084,000 | 2,516,000 | 3,763,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,623,000 | 39,462,000 | 40,117,000 | 39,978,000 |
| Total capital | 41,823,000 | 42,766,000 | 43,459,000 | 43,288,000 |
| Risk-weighted assets | 255,527,000 | 263,848,000 | 266,839,000 | 264,368,000 |