Call reports 2018
EXCHANGE BANK & TRUST — 2018
What EXCHANGE BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 417,581,000 | 416,333,000 | 400,509,000 | 433,806,000 |
| Total loans | 272,935,000 | 280,129,000 | 281,862,000 | 278,966,000 |
| Allowance for loan losses | 3,817,000 | 3,833,000 | 3,867,000 | 3,862,000 |
| Securities available for sale | 97,499,000 | 98,565,000 | 94,563,000 | 92,272,000 |
| Securities held to maturity | 2,010,000 | 2,009,000 | 2,008,000 | 2,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,464,000 | 366,103,000 | 346,604,000 | 378,950,000 |
| Interest-bearing deposits | 339,022,000 | 340,542,000 | 324,941,000 | 354,210,000 |
| Noninterest-bearing deposits | 28,442,000 | 25,561,000 | 21,663,000 | 24,741,000 |
| Equity capital | 39,628,000 | 40,348,000 | 40,942,000 | 41,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,646,000 | 7,483,000 | 11,434,000 | 15,393,000 |
| Interest expense | 339,000 | 716,000 | 1,117,000 | 1,560,000 |
| Net interest income | 3,307,000 | 6,767,000 | 10,317,000 | 13,833,000 |
| Noninterest income | 633,000 | 1,288,000 | 1,961,000 | 2,679,000 |
| Noninterest expense | 2,311,000 | 4,589,000 | 6,905,000 | 9,933,000 |
| Provision for loan losses | 90,000 | 135,000 | 180,000 | 180,000 |
| Pretax income | 1,539,000 | 3,331,000 | 5,193,000 | 6,399,000 |
| Income tax | 338,000 | 739,000 | 1,157,000 | 1,385,000 |
| Net income | 1,201,000 | 2,592,000 | 4,036,000 | 5,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,564,000 | 41,364,000 | 42,217,000 | 42,399,000 |
| Total capital | 43,874,000 | 44,760,000 | 45,648,000 | 45,791,000 |
| Risk-weighted assets | 264,255,000 | 271,216,000 | 274,006,000 | 270,860,000 |