Call reports 2019
EXCHANGE BANK & TRUST — 2019
What EXCHANGE BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 423,501,000 | 416,884,000 | 418,723,000 | 444,393,000 |
| Total loans | 276,375,000 | 287,473,000 | 287,762,000 | 284,703,000 |
| Allowance for loan losses | 3,870,000 | 3,850,000 | 3,893,000 | 3,931,000 |
| Securities available for sale | 93,805,000 | 92,602,000 | 90,838,000 | 93,486,000 |
| Securities held to maturity | 2,007,000 | 2,006,000 | 2,005,000 | 2,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,941,000 | 362,241,000 | 360,545,000 | 388,373,000 |
| Interest-bearing deposits | 347,110,000 | 339,458,000 | 338,891,000 | 363,360,000 |
| Noninterest-bearing deposits | 22,831,000 | 22,783,000 | 21,654,000 | 25,012,000 |
| Equity capital | 43,148,000 | 44,770,000 | 45,970,000 | 46,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,123,000 | 8,379,000 | 12,754,000 | 17,109,000 |
| Interest expense | 477,000 | 967,000 | 1,447,000 | 1,921,000 |
| Net interest income | 3,646,000 | 7,412,000 | 11,307,000 | 15,188,000 |
| Noninterest income | 624,000 | 1,291,000 | 1,966,000 | 2,864,000 |
| Noninterest expense | 2,390,000 | 4,831,000 | 7,207,000 | 10,326,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 150,000 |
| Pretax income | 1,880,000 | 3,872,000 | 5,991,000 | 7,576,000 |
| Income tax | 427,000 | 886,000 | 1,362,000 | 1,664,000 |
| Net income | 1,453,000 | 2,986,000 | 4,629,000 | 5,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,257,000 | 44,199,000 | 45,248,000 | 45,632,000 |
| Total capital | 46,613,000 | 47,701,000 | 48,774,000 | 49,563,000 |
| Risk-weighted assets | 267,944,000 | 279,830,000 | 281,686,000 | 278,952,000 |