Call reports 2021
EXCHANGE BANK, THE — 2021
What EXCHANGE BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 150,659,000 | 146,636,000 | 142,375,000 | 144,633,000 |
| Total loans | 69,104,000 | 66,950,000 | 58,967,000 | 54,803,000 |
| Allowance for loan losses | 643,000 | 648,000 | 663,000 | 829,000 |
| Securities available for sale | 42,513,000 | 47,963,000 | 50,112,000 | 50,760,000 |
| Securities held to maturity | 250,000 | 4,495,000 | 10,975,000 | 10,975,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,480,000 | 130,912,000 | 126,129,000 | 129,089,000 |
| Interest-bearing deposits | 94,094,000 | 95,874,000 | 91,821,000 | 93,468,000 |
| Noninterest-bearing deposits | 41,386,000 | 35,038,000 | 34,308,000 | 35,621,000 |
| Equity capital | 14,013,000 | 14,623,000 | 15,102,000 | 14,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,634,000 | 2,944,000 | 4,065,000 | 5,146,000 |
| Interest expense | 112,000 | 223,000 | 331,000 | 434,000 |
| Net interest income | 1,522,000 | 2,721,000 | 3,734,000 | 4,712,000 |
| Noninterest income | 310,000 | 600,000 | 904,000 | 1,160,000 |
| Noninterest expense | 1,160,000 | 2,207,000 | 3,091,000 | 4,173,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 522,000 | 964,000 | 1,473,000 | 1,625,000 |
| Income tax | 105,000 | 176,000 | 242,000 | 226,000 |
| Net income | 417,000 | 788,000 | 1,231,000 | 1,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,832,000 | 14,203,000 | 14,646,000 | 14,814,000 |