Call reports 2022
EXCHANGE BANK, THE — 2022
What EXCHANGE BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 149,558,000 | 149,670,000 | 145,546,000 | 142,580,000 |
| Total loans | 57,016,000 | 59,963,000 | 59,958,000 | 58,238,000 |
| Allowance for loan losses | 835,000 | 856,000 | 862,000 | 868,000 |
| Securities available for sale | 48,525,000 | 47,347,000 | 46,237,000 | 45,647,000 |
| Securities held to maturity | 10,975,000 | 16,316,000 | 21,231,000 | 21,231,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,867,000 | 139,061,000 | 131,748,000 | 129,963,000 |
| Interest-bearing deposits | 102,721,000 | 104,497,000 | 96,463,000 | 98,861,000 |
| Noninterest-bearing deposits | 34,146,000 | 34,564,000 | 35,285,000 | 31,102,000 |
| Equity capital | 12,313,000 | 10,167,000 | 9,259,000 | 10,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,115,000 | 2,305,000 | 3,591,000 | 4,914,000 |
| Interest expense | 101,000 | 205,000 | 326,000 | 480,000 |
| Net interest income | 1,014,000 | 2,100,000 | 3,265,000 | 4,434,000 |
| Noninterest income | 242,000 | 542,000 | 823,000 | 1,072,000 |
| Noninterest expense | 1,048,000 | 2,162,000 | 3,143,000 | 4,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 210,000 | 482,000 | 947,000 | 1,390,000 |
| Income tax | 18,000 | 55,000 | 121,000 | 162,000 |
| Net income | 192,000 | 427,000 | 826,000 | 1,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,626,000 | 14,860,000 | 15,259,000 | 15,662,000 |