Call reports 2018
EXCHANGE BANK, THE — 2018
What EXCHANGE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 104,505,000 | 101,872,000 | 101,257,000 | 98,205,000 |
| Total loans | 47,955,000 | 52,487,000 | 52,506,000 | 50,925,000 |
| Allowance for loan losses | 610,000 | 613,000 | 613,000 | 612,000 |
| Securities available for sale | 32,405,000 | 32,226,000 | 32,871,000 | 33,033,000 |
| Securities held to maturity | 101,000 | 101,000 | 101,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,927,000 | 90,972,000 | 90,137,000 | 86,736,000 |
| Interest-bearing deposits | 76,844,000 | 73,930,000 | 72,218,000 | 70,780,000 |
| Noninterest-bearing deposits | 17,083,000 | 17,042,000 | 17,919,000 | 15,956,000 |
| Equity capital | 10,483,000 | 10,778,000 | 10,968,000 | 11,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,137,000 | 3,247,000 | 4,354,000 |
| Interest expense | 93,000 | 209,000 | 325,000 | 449,000 |
| Net interest income | 956,000 | 1,928,000 | 2,922,000 | 3,905,000 |
| Noninterest income | 181,000 | 404,000 | 661,000 | 891,000 |
| Noninterest expense | 865,000 | 1,704,000 | 2,589,000 | 3,457,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 272,000 | 628,000 | 994,000 | 1,339,000 |
| Income tax | 0 | 0 | 0 | 284,000 |
| Net income | 272,000 | 628,000 | 994,000 | 1,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,604,000 | 10,960,000 | 11,326,000 | 11,654,000 |
| Total capital | 11,214,000 | 11,573,000 | 11,939,000 | 12,266,000 |
| Risk-weighted assets | 56,615,000 | 61,244,000 | 61,763,000 | 59,774,000 |