Call reports 2023
EXCHANGE BANK CO. — 2023
What EXCHANGE BANK CO. reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 214,669,000 | 214,808,000 | 212,409,000 | 222,229,000 |
| Total loans | 137,243,000 | 138,948,000 | 142,710,000 | 144,011,000 |
| Allowance for loan losses | 1,747,000 | 1,778,000 | 1,792,000 | 1,931,000 |
| Securities available for sale | 57,536,000 | 56,664,000 | 52,988,000 | 54,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,115,000 | 195,752,000 | 193,707,000 | 201,650,000 |
| Interest-bearing deposits | 141,238,000 | 141,406,000 | 139,284,000 | 144,685,000 |
| Noninterest-bearing deposits | 54,877,000 | 54,346,000 | 54,423,000 | 56,965,000 |
| Equity capital | 17,914,000 | 18,099,000 | 17,711,000 | 19,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,278,000 | 4,748,000 | 7,287,000 | 9,842,000 |
| Interest expense | 386,000 | 882,000 | 1,456,000 | 2,072,000 |
| Net interest income | 1,892,000 | 3,866,000 | 5,831,000 | 7,770,000 |
| Noninterest income | 228,000 | 451,000 | 698,000 | 906,000 |
| Noninterest expense | 1,276,000 | 2,702,000 | 4,165,000 | 5,709,000 |
| Provision for loan losses | 8,000 | 33,000 | 42,000 | 185,000 |
| Pretax income | 836,000 | 1,582,000 | 2,309,000 | 2,757,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 836,000 | 1,582,000 | 2,309,000 | 2,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,497,000 | 22,063,000 | 22,610,000 | 22,877,000 |
| Total capital | 23,244,000 | 23,841,000 | 24,415,000 | 24,833,000 |
| Risk-weighted assets | 169,337,000 | 171,240,000 | 170,783,000 | 173,002,000 |