Call reports 2024
EXCHANGE BANK, THE — 2024
What EXCHANGE BANK, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 145,901,000 | 150,624,000 | 145,594,000 | 144,790,000 |
| Total loans | 54,909,000 | 53,234,000 | 54,308,000 | 56,546,000 |
| Allowance for loan losses | 909,000 | 909,000 | 948,000 | 712,000 |
| Securities available for sale | 48,521,000 | 49,323,000 | 52,061,000 | 51,430,000 |
| Securities held to maturity | 20,010,000 | 20,440,000 | 16,895,000 | 17,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,427,000 | 137,774,000 | 131,143,000 | 131,461,000 |
| Interest-bearing deposits | 106,114,000 | 108,667,000 | 99,870,000 | 101,449,000 |
| Noninterest-bearing deposits | 27,313,000 | 29,107,000 | 31,273,000 | 30,012,000 |
| Equity capital | 12,019,000 | 12,332,000 | 13,990,000 | 12,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,634,000 | 3,287,000 | 5,069,000 | 6,892,000 |
| Interest expense | 371,000 | 781,000 | 1,165,000 | 1,583,000 |
| Net interest income | 1,263,000 | 2,506,000 | 3,904,000 | 5,309,000 |
| Noninterest income | 244,000 | 519,000 | 796,000 | 1,043,000 |
| Noninterest expense | 1,155,000 | 2,312,000 | 3,514,000 | 4,719,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 310,000 |
| Pretax income | 352,000 | 713,000 | 1,146,000 | 1,323,000 |
| Income tax | 38,000 | 68,000 | 114,000 | 129,000 |
| Net income | 314,000 | 645,000 | 1,032,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,972,000 | 17,303,000 | 17,690,000 | 17,852,000 |