Call reports 2022
EXCHANGE BANK & TRUST — 2022
What EXCHANGE BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 574,412,000 | 557,673,000 | 560,123,000 | 583,090,000 |
| Total loans | 319,430,000 | 344,435,000 | 369,710,000 | 379,626,000 |
| Allowance for loan losses | 4,335,000 | 4,417,000 | 4,526,000 | 4,665,000 |
| Securities available for sale | 185,673,000 | 185,292,000 | 164,805,000 | 163,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,991,000 | 495,846,000 | 501,785,000 | 520,081,000 |
| Interest-bearing deposits | 475,153,000 | 466,062,000 | 465,384,000 | 485,978,000 |
| Noninterest-bearing deposits | 32,838,000 | 29,785,000 | 36,400,000 | 34,103,000 |
| Equity capital | 50,760,000 | 49,333,000 | 46,783,000 | 49,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,961,000 | 8,139,000 | 12,659,000 | 17,518,000 |
| Interest expense | 201,000 | 422,000 | 762,000 | 1,270,000 |
| Net interest income | 3,760,000 | 7,717,000 | 11,897,000 | 16,248,000 |
| Noninterest income | 739,000 | 1,426,000 | 2,102,000 | 2,763,000 |
| Noninterest expense | 2,720,000 | 5,344,000 | 8,167,000 | 11,454,000 |
| Provision for loan losses | 36,000 | 108,000 | 233,000 | 368,000 |
| Pretax income | 1,746,000 | 3,700,000 | 5,565,000 | 7,156,000 |
| Income tax | 390,000 | 788,000 | 1,216,000 | 1,547,000 |
| Net income | 1,356,000 | 2,912,000 | 4,349,000 | 5,609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,631,000 | 57,895,000 | 59,039,000 | 59,856,000 |