Call reports 2025
EXCHANGE BANK & TRUST — 2025
What EXCHANGE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 601,415,000 | 595,417,000 | 592,785,000 | 631,270,000 |
| Total loans | 384,230,000 | 390,904,000 | 385,799,000 | 377,892,000 |
| Allowance for loan losses | 5,352,000 | 5,317,000 | 5,296,000 | 5,275,000 |
| Securities available for sale | 145,665,000 | 144,098,000 | 147,863,000 | 154,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 525,541,000 | 516,729,000 | 510,818,000 | 543,483,000 |
| Interest-bearing deposits | 499,029,000 | 491,497,000 | 483,779,000 | 512,732,000 |
| Noninterest-bearing deposits | 26,512,000 | 25,232,000 | 27,039,000 | 30,751,000 |
| Equity capital | 68,199,000 | 71,220,000 | 74,322,000 | 75,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,731,000 | 15,870,000 | 23,928,000 | 32,178,000 |
| Interest expense | 2,114,000 | 4,309,000 | 6,425,000 | 8,490,000 |
| Net interest income | 5,617,000 | 11,561,000 | 17,503,000 | 23,688,000 |
| Noninterest income | 613,000 | 1,214,000 | 1,877,000 | 2,545,000 |
| Noninterest expense | 3,255,000 | 6,429,000 | 9,693,000 | 14,048,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 2,950,000 | 6,332,000 | 9,673,000 | 12,182,000 |
| Income tax | 685,000 | 1,480,000 | 2,168,000 | 2,714,000 |
| Net income | 2,265,000 | 4,852,000 | 7,505,000 | 9,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,308,000 | 74,474,000 | 76,708,000 | 77,932,000 |