Call reports 2020
EXCHANGE BANK CO. — 2020
What EXCHANGE BANK CO. reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 172,020,000 | 183,053,000 | 191,634,000 | 195,826,000 |
| Total loans | 112,889,000 | 112,287,000 | 109,126,000 | 108,401,000 |
| Allowance for loan losses | 1,212,000 | 1,281,000 | 1,318,000 | 1,317,000 |
| Securities available for sale | 24,129,000 | 27,721,000 | 34,430,000 | 39,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,502,000 | 163,487,000 | 171,410,000 | 175,145,000 |
| Interest-bearing deposits | 120,522,000 | 127,667,000 | 131,705,000 | 132,980,000 |
| Noninterest-bearing deposits | 32,980,000 | 35,820,000 | 39,705,000 | 42,165,000 |
| Equity capital | 16,917,000 | 17,897,000 | 18,388,000 | 19,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,555,000 | 5,214,000 | 6,867,000 |
| Interest expense | 398,000 | 825,000 | 1,254,000 | 1,660,000 |
| Net interest income | 1,281,000 | 2,730,000 | 3,960,000 | 5,207,000 |
| Noninterest income | 126,000 | 240,000 | 417,000 | 582,000 |
| Noninterest expense | 1,161,000 | 2,282,000 | 3,385,000 | 4,561,000 |
| Provision for loan losses | 92,000 | 155,000 | 186,000 | 190,000 |
| Pretax income | 239,000 | 618,000 | 891,000 | 1,123,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 239,000 | 618,000 | 891,000 | 1,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,682,000 | 14,911,000 | 15,034,000 | 15,766,000 |
| Total capital | 15,894,000 | 16,192,000 | 16,352,000 | 17,083,000 |
| Risk-weighted assets | 126,915,000 | 126,666,000 | 126,495,000 | 131,907,000 |