Call reports 2023
EXCHANGE BANK, THE — 2023
What EXCHANGE BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 148,004,000 | 143,552,000 | 137,916,000 | 140,088,000 |
| Total loans | 57,874,000 | 54,898,000 | 54,735,000 | 53,769,000 |
| Allowance for loan losses | 871,000 | 874,000 | 902,000 | 902,000 |
| Securities available for sale | 48,375,000 | 48,758,000 | 45,775,000 | 48,090,000 |
| Securities held to maturity | 21,231,000 | 19,430,000 | 17,620,000 | 18,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,887,000 | 132,268,000 | 123,231,000 | 127,404,000 |
| Interest-bearing deposits | 105,086,000 | 101,032,000 | 94,396,000 | 101,266,000 |
| Noninterest-bearing deposits | 31,801,000 | 31,236,000 | 28,835,000 | 26,138,000 |
| Equity capital | 10,538,000 | 10,604,000 | 9,914,000 | 12,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,923,000 | 4,488,000 | 6,075,000 |
| Interest expense | 178,000 | 388,000 | 630,000 | 1,004,000 |
| Net interest income | 1,251,000 | 2,535,000 | 3,858,000 | 5,071,000 |
| Noninterest income | 248,000 | 518,000 | 777,000 | 1,021,000 |
| Noninterest expense | 1,028,000 | 2,095,000 | 3,112,000 | 4,275,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 471,000 | 958,000 | 1,526,000 | 1,820,000 |
| Income tax | 69,000 | 135,000 | 226,000 | 0 |
| Net income | 402,000 | 823,000 | 1,300,000 | 1,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,678,000 | 16,099,000 | 16,576,000 | 17,096,000 |