Call reports 2019
EXCHANGE BANK OF ALABAMA, THE — 2019
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 283,930,000 | 284,421,000 | 288,365,000 | 283,418,000 |
| Total loans | 188,737,000 | 191,785,000 | 189,687,000 | 190,959,000 |
| Allowance for loan losses | 2,277,000 | 2,348,000 | 2,412,000 | 2,426,000 |
| Securities available for sale | 73,781,000 | 72,569,000 | 70,606,000 | 67,703,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,034,000 | 241,389,000 | 244,225,000 | 238,635,000 |
| Interest-bearing deposits | 201,162,000 | 199,873,000 | 199,467,000 | 195,617,000 |
| Noninterest-bearing deposits | 40,872,000 | 41,516,000 | 44,758,000 | 43,018,000 |
| Equity capital | 39,104,000 | 40,409,000 | 41,195,000 | 42,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 5,812,000 | 8,793,000 | 11,733,000 |
| Interest expense | 435,000 | 878,000 | 1,323,000 | 1,761,000 |
| Net interest income | 2,450,000 | 4,934,000 | 7,470,000 | 9,972,000 |
| Noninterest income | 420,000 | 715,000 | 1,192,000 | 1,625,000 |
| Noninterest expense | 2,123,000 | 4,082,000 | 5,989,000 | 7,950,000 |
| Provision for loan losses | 25,000 | 100,000 | 175,000 | 200,000 |
| Pretax income | 723,000 | 1,470,000 | 2,510,000 | 3,459,000 |
| Income tax | 175,000 | 200,000 | 450,000 | 415,000 |
| Net income | 548,000 | 1,270,000 | 2,060,000 | 3,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,741,000 | 40,464,000 | 40,954,000 | 41,939,000 |
| Total capital | 42,018,000 | 42,812,000 | 43,366,000 | 44,365,000 |
| Risk-weighted assets | 198,181,000 | 200,282,000 | 197,114,000 | 195,437,000 |
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