Call reports 2024
EXCHANGE BANK & TRUST — 2024
What EXCHANGE BANK & TRUST reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 566,067,000 | 553,873,000 | 562,872,000 | 591,835,000 |
| Total loans | 381,826,000 | 386,258,000 | 390,669,000 | 392,399,000 |
| Allowance for loan losses | 5,424,000 | 5,459,000 | 5,442,000 | 5,356,000 |
| Securities available for sale | 135,368,000 | 128,784,000 | 125,043,000 | 130,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,638,000 | 485,888,000 | 490,180,000 | 519,194,000 |
| Interest-bearing deposits | 465,799,000 | 456,241,000 | 462,916,000 | 489,000,000 |
| Noninterest-bearing deposits | 31,839,000 | 29,647,000 | 27,264,000 | 30,194,000 |
| Equity capital | 58,873,000 | 60,943,000 | 65,111,000 | 65,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 6,631,000 | 13,459,000 | 20,624,000 | 28,126,000 |
| Interest expense | 1,725,000 | 3,499,000 | 5,377,000 | 7,323,000 |
| Net interest income | 4,906,000 | 9,960,000 | 15,247,000 | 20,803,000 |
| Noninterest income | 664,000 | 1,315,000 | 1,977,000 | 2,699,000 |
| Noninterest expense | 3,234,000 | 6,277,000 | 9,452,000 | 13,614,000 |
| Provision for loan losses | 100,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 2,236,000 | 4,858,000 | 7,661,000 | 9,788,000 |
| Income tax | 523,000 | 1,146,000 | 1,733,000 | 2,193,000 |
| Net income | 1,713,000 | 3,712,000 | 5,928,000 | 7,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,901,000 | 67,540,000 | 69,396,000 | 70,463,000 |