Call reports 2019
EXCHANGE BANK CO. — 2019
What EXCHANGE BANK CO. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 150,710,000 | 148,916,000 | 153,564,000 | 157,762,000 |
| Total loans | 108,580,000 | 109,314,000 | 110,383,000 | 113,117,000 |
| Allowance for loan losses | 1,608,000 | 1,030,000 | 1,161,000 | 1,209,000 |
| Securities available for sale | 27,712,000 | 26,587,000 | 26,865,000 | 24,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,977,000 | 123,548,000 | 127,362,000 | 139,002,000 |
| Interest-bearing deposits | 89,775,000 | 92,967,000 | 97,855,000 | 107,402,000 |
| Noninterest-bearing deposits | 29,202,000 | 30,581,000 | 29,507,000 | 31,600,000 |
| Equity capital | 16,826,000 | 17,128,000 | 17,667,000 | 17,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,610,000 | 3,243,000 | 4,959,000 | 6,700,000 |
| Interest expense | 273,000 | 543,000 | 836,000 | 1,163,000 |
| Net interest income | 1,337,000 | 2,700,000 | 4,123,000 | 5,537,000 |
| Noninterest income | 140,000 | 263,000 | 406,000 | 542,000 |
| Noninterest expense | 1,068,000 | 2,138,000 | 3,227,000 | 4,384,000 |
| Provision for loan losses | 476,000 | 564,000 | 699,000 | 742,000 |
| Pretax income | -67,000 | 321,000 | 663,000 | 1,013,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -67,000 | 321,000 | 663,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,563,000 | 14,801,000 | 14,993,000 | 14,592,000 |
| Total capital | 16,065,000 | 15,831,000 | 16,154,000 | 15,801,000 |
| Risk-weighted assets | 120,057,000 | 120,644,000 | 122,530,000 | 124,203,000 |