Call reports 2020
EXCHANGE BANK & TRUST — 2020
What EXCHANGE BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 429,306,000 | 475,418,000 | 474,871,000 | 515,413,000 |
| Total loans | 286,380,000 | 310,562,000 | 325,052,000 | 323,826,000 |
| Allowance for loan losses | 3,962,000 | 4,037,000 | 4,110,000 | 4,149,000 |
| Securities available for sale | 100,574,000 | 110,195,000 | 115,717,000 | 117,373,000 |
| Securities held to maturity | 2,004,000 | 2,003,000 | 2,002,000 | 2,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,473,000 | 412,911,000 | 410,044,000 | 448,708,000 |
| Interest-bearing deposits | 348,574,000 | 385,990,000 | 382,216,000 | 419,794,000 |
| Noninterest-bearing deposits | 23,899,000 | 26,921,000 | 27,829,000 | 28,914,000 |
| Equity capital | 48,389,000 | 50,852,000 | 52,024,000 | 52,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,318,000 | 9,253,000 | 13,279,000 | 17,203,000 |
| Interest expense | 465,000 | 788,000 | 1,095,000 | 1,394,000 |
| Net interest income | 3,853,000 | 8,465,000 | 12,184,000 | 15,809,000 |
| Noninterest income | 635,000 | 1,173,000 | 1,757,000 | 2,993,000 |
| Noninterest expense | 2,409,000 | 4,826,000 | 7,415,000 | 10,807,000 |
| Provision for loan losses | 50,000 | 119,000 | 188,000 | 225,000 |
| Pretax income | 2,126,000 | 4,790,000 | 6,435,000 | 7,869,000 |
| Income tax | 482,000 | 1,093,000 | 1,439,000 | 1,740,000 |
| Net income | 1,644,000 | 3,697,000 | 4,996,000 | 6,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,983,000 | 48,742,000 | 49,749,000 | 50,439,000 |