Call reports 2024
EXCHANGE BANK CO. — 2024
What EXCHANGE BANK CO. reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 237,237,000 | 230,371,000 | 243,952,000 | 302,828,000 |
| Total loans | 144,739,000 | 148,587,000 | 150,357,000 | 183,874,000 |
| Allowance for loan losses | 1,900,000 | 1,736,000 | 1,879,000 | 2,632,000 |
| Securities available for sale | 56,378,000 | 55,451,000 | 54,875,000 | 68,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,567,000 | 205,446,000 | 217,267,000 | 270,514,000 |
| Interest-bearing deposits | 154,823,000 | 153,312,000 | 163,709,000 | 203,360,000 |
| Noninterest-bearing deposits | 58,744,000 | 52,134,000 | 53,558,000 | 67,154,000 |
| Equity capital | 20,443,000 | 21,339,000 | 22,706,000 | 27,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,841,000 | 5,919,000 | 9,136,000 | 14,943,000 |
| Interest expense | 720,000 | 1,588,000 | 2,580,000 | 4,303,000 |
| Net interest income | 2,121,000 | 4,331,000 | 6,556,000 | 10,640,000 |
| Noninterest income | 227,000 | 500,000 | 734,000 | 1,119,000 |
| Noninterest expense | 1,375,000 | 3,002,000 | 4,579,000 | 7,967,000 |
| Provision for loan losses | 32,000 | 64,000 | 569,000 | 865,000 |
| Pretax income | 954,000 | 1,782,000 | 2,139,000 | 2,848,000 |
| Income tax | 0 | 0 | 0 | 97,000 |
| Net income | 954,000 | 1,782,000 | 2,139,000 | 2,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,622,000 | 24,239,000 | 24,387,000 | 28,815,000 |
| Total capital | 25,534,000 | 25,983,000 | 26,280,000 | 31,536,000 |
| Risk-weighted assets | 176,537,000 | 177,716,000 | 181,850,000 | 223,997,000 |