Call reports 2025
EXCHANGE BANK CO. — 2025
What EXCHANGE BANK CO. reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 313,012,000 | 320,430,000 | 323,761,000 | 334,707,000 |
| Total loans | 190,254,000 | 192,603,000 | 201,654,000 | 202,519,000 |
| Allowance for loan losses | 2,686,000 | 2,860,000 | 2,948,000 | 3,045,000 |
| Securities available for sale | 66,251,000 | 73,712,000 | 81,268,000 | 82,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,440,000 | 288,246,000 | 289,814,000 | 301,254,000 |
| Interest-bearing deposits | 211,314,000 | 212,495,000 | 211,988,000 | 222,131,000 |
| Noninterest-bearing deposits | 70,126,000 | 75,751,000 | 77,826,000 | 79,123,000 |
| Equity capital | 28,653,000 | 29,090,000 | 30,905,000 | 30,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,314,000 | 8,756,000 | 13,409,000 | 18,145,000 |
| Interest expense | 1,287,000 | 2,540,000 | 3,792,000 | 5,054,000 |
| Net interest income | 3,027,000 | 6,216,000 | 9,617,000 | 13,091,000 |
| Noninterest income | 276,000 | 527,000 | 853,000 | 1,168,000 |
| Noninterest expense | 2,227,000 | 4,380,000 | 6,263,000 | 8,433,000 |
| Provision for loan losses | 75,000 | 270,000 | 407,000 | 562,000 |
| Pretax income | 977,000 | 2,100,000 | 3,779,000 | 5,232,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 977,000 | 2,100,000 | 3,779,000 | 5,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,573,000 | 29,678,000 | 30,632,000 | 30,038,000 |
| Total capital | 32,372,000 | 32,597,000 | 33,660,000 | 33,117,000 |
| Risk-weighted assets | 228,518,000 | 233,460,000 | 242,231,000 | 246,255,000 |