Call reports 2021
EXCHANGE BANK CO. — 2021
What EXCHANGE BANK CO. reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 210,952,000 | 209,982,000 | 209,602,000 | 209,790,000 |
| Total loans | 109,971,000 | 112,084,000 | 109,566,000 | 121,737,000 |
| Allowance for loan losses | 1,323,000 | 1,416,000 | 1,419,000 | 1,567,000 |
| Securities available for sale | 46,834,000 | 59,021,000 | 57,952,000 | 63,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,692,000 | 186,205,000 | 185,570,000 | 184,245,000 |
| Interest-bearing deposits | 139,441,000 | 138,263,000 | 136,600,000 | 135,859,000 |
| Noninterest-bearing deposits | 50,251,000 | 47,942,000 | 48,970,000 | 48,386,000 |
| Equity capital | 19,538,000 | 21,879,000 | 22,059,000 | 21,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,060,000 | 4,056,000 | 5,686,000 | 7,340,000 |
| Interest expense | 344,000 | 654,000 | 941,000 | 1,215,000 |
| Net interest income | 1,716,000 | 3,402,000 | 4,745,000 | 6,125,000 |
| Noninterest income | 147,000 | 317,000 | 498,000 | 703,000 |
| Noninterest expense | 1,219,000 | 2,429,000 | 3,665,000 | 5,036,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 644,000 | 1,290,000 | 1,578,000 | 1,592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 644,000 | 1,290,000 | 1,578,000 | 1,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,410,000 | 18,807,000 | 19,095,000 | 19,108,000 |
| Total capital | 17,733,000 | 20,223,000 | 20,514,000 | 20,675,000 |
| Risk-weighted assets | 136,818,000 | 138,289,000 | 135,385,000 | 154,268,000 |