Call reports 2021
EXCHANGE BANK & TRUST — 2021
What EXCHANGE BANK & TRUST reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 529,282,000 | 537,858,000 | 551,440,000 | 578,383,000 |
| Total loans | 323,590,000 | 321,246,000 | 311,510,000 | 313,902,000 |
| Allowance for loan losses | 4,234,000 | 4,271,000 | 4,297,000 | 4,319,000 |
| Securities available for sale | 128,910,000 | 136,776,000 | 154,071,000 | 180,323,000 |
| Securities held to maturity | 2,000,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,649,000 | 470,508,000 | 478,802,000 | 509,665,000 |
| Interest-bearing deposits | 432,482,000 | 440,592,000 | 448,237,000 | 475,957,000 |
| Noninterest-bearing deposits | 30,167,000 | 29,916,000 | 30,564,000 | 33,707,000 |
| Equity capital | 53,096,000 | 54,658,000 | 56,066,000 | 55,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 4,225,000 | 8,942,000 | 13,710,000 | 17,977,000 |
| Interest expense | 283,000 | 531,000 | 758,000 | 971,000 |
| Net interest income | 3,942,000 | 8,411,000 | 12,952,000 | 17,006,000 |
| Noninterest income | 790,000 | 1,638,000 | 2,439,000 | 3,243,000 |
| Noninterest expense | 2,650,000 | 5,392,000 | 8,183,000 | 11,711,000 |
| Provision for loan losses | 66,000 | 132,000 | 168,000 | 186,000 |
| Pretax income | 2,017,000 | 4,526,000 | 7,050,000 | 8,386,000 |
| Income tax | 453,000 | 1,064,000 | 1,644,000 | 1,933,000 |
| Net income | 1,564,000 | 3,462,000 | 5,406,000 | 6,453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,709,000 | 53,315,000 | 54,966,000 | 55,569,000 |