Call reports 2022
EXCHANGE BANK CO. — 2022
What EXCHANGE BANK CO. reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 224,827,000 | 223,248,000 | 221,434,000 | 214,433,000 |
| Total loans | 118,880,000 | 125,716,000 | 129,982,000 | 134,712,000 |
| Allowance for loan losses | 1,570,000 | 1,589,000 | 1,606,000 | 1,748,000 |
| Securities available for sale | 63,016,000 | 64,129,000 | 62,090,000 | 61,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,575,000 | 203,115,000 | 201,268,000 | 197,248,000 |
| Interest-bearing deposits | 146,599,000 | 148,693,000 | 143,988,000 | 140,829,000 |
| Noninterest-bearing deposits | 54,976,000 | 54,422,000 | 57,280,000 | 56,419,000 |
| Equity capital | 19,347,000 | 16,060,000 | 15,990,000 | 16,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,494,000 | 5,612,000 | 7,845,000 |
| Interest expense | 275,000 | 555,000 | 835,000 | 1,137,000 |
| Net interest income | 1,419,000 | 2,939,000 | 4,777,000 | 6,708,000 |
| Noninterest income | 266,000 | 472,000 | 686,000 | 914,000 |
| Noninterest expense | 1,286,000 | 2,569,000 | 3,823,000 | 5,061,000 |
| Provision for loan losses | 16,000 | 34,000 | 53,000 | 228,000 |
| Pretax income | 383,000 | 808,000 | 1,587,000 | 2,333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 383,000 | 808,000 | 1,587,000 | 2,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,342,000 | 19,616,000 | 20,245,000 | 20,841,000 |
| Total capital | 20,912,000 | 21,205,000 | 21,851,000 | 22,589,000 |
| Risk-weighted assets | 158,525,000 | 167,760,000 | 170,302,000 | 171,150,000 |