Call reports 2023
EXCHANGE BANK & TRUST — 2023
What EXCHANGE BANK & TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 569,997,000 | 564,781,000 | 559,280,000 | 579,470,000 |
| Total loans | 379,464,000 | 386,779,000 | 388,084,000 | 384,885,000 |
| Allowance for loan losses | 4,792,000 | 4,890,000 | 5,071,000 | 5,321,000 |
| Securities available for sale | 162,634,000 | 156,536,000 | 142,296,000 | 138,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,928,000 | 503,257,000 | 495,598,000 | 512,457,000 |
| Interest-bearing deposits | 473,668,000 | 468,623,000 | 461,066,000 | 478,139,000 |
| Noninterest-bearing deposits | 36,260,000 | 34,634,000 | 34,533,000 | 34,318,000 |
| Equity capital | 52,206,000 | 52,901,000 | 53,150,000 | 57,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,292,000 | 10,926,000 | 16,850,000 | 23,194,000 |
| Interest expense | 806,000 | 1,894,000 | 3,213,000 | 4,793,000 |
| Net interest income | 4,486,000 | 9,032,000 | 13,637,000 | 18,401,000 |
| Noninterest income | 649,000 | 1,319,000 | 1,992,000 | 3,373,000 |
| Noninterest expense | 3,123,000 | 6,049,000 | 9,075,000 | 12,826,000 |
| Provision for loan losses | 45,000 | 170,000 | 365,000 | 640,000 |
| Pretax income | 1,967,000 | 4,118,000 | 5,978,000 | 8,109,000 |
| Income tax | 457,000 | 941,000 | 1,361,000 | 1,860,000 |
| Net income | 1,510,000 | 3,177,000 | 4,617,000 | 6,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,899,000 | 62,272,000 | 63,419,000 | 64,548,000 |