Call reports 2018
EXCHANGE BANK CO. — 2018
What EXCHANGE BANK CO. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 148,270,000 | 149,145,000 | 147,752,000 | 148,114,000 |
| Total loans | 102,435,000 | 107,769,000 | 105,316,000 | 108,018,000 |
| Allowance for loan losses | 1,168,000 | 1,137,000 | 1,155,000 | 1,166,000 |
| Securities available for sale | 31,628,000 | 30,789,000 | 28,426,000 | 27,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,145,000 | 118,900,000 | 118,822,000 | 116,020,000 |
| Interest-bearing deposits | 92,682,000 | 89,439,000 | 89,552,000 | 86,961,000 |
| Noninterest-bearing deposits | 32,463,000 | 29,461,000 | 29,270,000 | 29,059,000 |
| Equity capital | 17,603,000 | 17,923,000 | 18,126,000 | 16,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,506,000 | 3,077,000 | 4,666,000 | 6,253,000 |
| Interest expense | 146,000 | 306,000 | 492,000 | 690,000 |
| Net interest income | 1,360,000 | 2,771,000 | 4,174,000 | 5,563,000 |
| Noninterest income | 130,000 | 266,000 | 406,000 | 549,000 |
| Noninterest expense | 1,046,000 | 2,072,000 | 3,133,000 | 4,128,000 |
| Provision for loan losses | 36,000 | 56,000 | 75,000 | 107,000 |
| Pretax income | 408,000 | 909,000 | 1,382,000 | 1,887,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 408,000 | 909,000 | 1,382,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,751,000 | 16,103,000 | 16,425,000 | 14,780,000 |
| Total capital | 16,919,000 | 17,240,000 | 17,580,000 | 15,946,000 |
| Risk-weighted assets | 116,898,000 | 120,573,000 | 116,832,000 | 119,298,000 |