Call reports 2025
EXCHANGE BANK, THE — 2025
What EXCHANGE BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 152,106,000 | 153,800,000 | 154,271,000 | 153,147,000 |
| Total loans | 55,064,000 | 53,393,000 | 51,792,000 | 53,584,000 |
| Allowance for loan losses | 775,000 | 770,000 | 817,000 | 870,000 |
| Securities available for sale | 53,468,000 | 53,619,000 | 57,062,000 | 59,586,000 |
| Securities held to maturity | 17,565,000 | 19,130,000 | 18,887,000 | 18,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,298,000 | 140,145,000 | 139,065,000 | 137,189,000 |
| Interest-bearing deposits | 110,674,000 | 112,804,000 | 110,973,000 | 108,770,000 |
| Noninterest-bearing deposits | 27,624,000 | 27,341,000 | 28,092,000 | 28,419,000 |
| Equity capital | 13,350,000 | 13,177,000 | 14,680,000 | 15,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,668,000 | 5,478,000 | 7,348,000 |
| Interest expense | 421,000 | 855,000 | 1,281,000 | 1,709,000 |
| Net interest income | 1,430,000 | 2,813,000 | 4,197,000 | 5,639,000 |
| Noninterest income | 262,000 | 572,000 | 831,000 | 1,085,000 |
| Noninterest expense | 1,161,000 | 2,292,000 | 3,421,000 | 4,587,000 |
| Provision for loan losses | 60,000 | 360,000 | 420,000 | 480,000 |
| Pretax income | 475,000 | 737,000 | 1,145,000 | 1,609,000 |
| Income tax | 59,000 | 55,000 | 83,000 | 58,000 |
| Net income | 416,000 | 682,000 | 1,062,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,876,000 | 18,142,000 | 18,523,000 | 19,011,000 |