Call reports 2020
EXCHANGE BANK, THE — 2020
What EXCHANGE BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 110,498,000 | 127,298,000 | 127,916,000 | 129,430,000 |
| Total loans | 56,640,000 | 71,386,000 | 69,955,000 | 64,127,000 |
| Allowance for loan losses | 718,000 | 996,000 | 996,000 | 993,000 |
| Securities available for sale | 37,023,000 | 36,173,000 | 33,458,000 | 35,856,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,295,000 | 109,953,000 | 109,999,000 | 114,100,000 |
| Interest-bearing deposits | 78,691,000 | 75,136,000 | 76,812,000 | 81,101,000 |
| Noninterest-bearing deposits | 19,604,000 | 34,817,000 | 33,187,000 | 32,999,000 |
| Equity capital | 12,043,000 | 13,506,000 | 14,026,000 | 14,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,271,000 | 3,090,000 | 4,277,000 | 5,409,000 |
| Interest expense | 152,000 | 297,000 | 431,000 | 559,000 |
| Net interest income | 1,119,000 | 2,793,000 | 3,846,000 | 4,850,000 |
| Noninterest income | 227,000 | 416,000 | 670,000 | 911,000 |
| Noninterest expense | 908,000 | 1,912,000 | 2,829,000 | 3,636,000 |
| Provision for loan losses | 75,000 | 352,000 | 352,000 | 352,000 |
| Pretax income | 363,000 | 945,000 | 1,335,000 | 1,855,000 |
| Income tax | 66,000 | 183,000 | 248,000 | 297,000 |
| Net income | 297,000 | 762,000 | 1,087,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,542,000 | 13,007,000 | 13,332,000 | 13,804,000 |