Call reports 2020
EXCHANGE BANK OF ALABAMA, THE — 2020
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 296,791,000 | 324,423,000 | 329,444,000 | 334,296,000 |
| Total loans | 191,478,000 | 202,307,000 | 197,136,000 | 190,734,000 |
| Allowance for loan losses | 2,636,000 | 2,618,000 | 2,675,000 | 2,644,000 |
| Securities available for sale | 69,149,000 | 71,067,000 | 67,955,000 | 67,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,308,000 | 277,274,000 | 281,411,000 | 285,779,000 |
| Interest-bearing deposits | 186,806,000 | 197,228,000 | 172,674,000 | 176,047,000 |
| Noninterest-bearing deposits | 64,502,000 | 80,046,000 | 108,737,000 | 109,732,000 |
| Equity capital | 42,699,000 | 44,063,000 | 44,817,000 | 45,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,000,000 | 6,165,000 | 8,884,000 | 11,504,000 |
| Interest expense | 405,000 | 777,000 | 1,147,000 | 1,500,000 |
| Net interest income | 2,595,000 | 5,388,000 | 7,737,000 | 10,004,000 |
| Noninterest income | 396,000 | 742,000 | 1,208,000 | 1,738,000 |
| Noninterest expense | 2,108,000 | 4,092,000 | 6,028,000 | 7,942,000 |
| Provision for loan losses | 225,000 | 525,000 | 525,000 | 525,000 |
| Pretax income | 658,000 | 1,512,000 | 2,393,000 | 3,274,000 |
| Income tax | 52,000 | 239,000 | 462,000 | 639,000 |
| Net income | 606,000 | 1,273,000 | 1,931,000 | 2,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,044,000 | 42,711,000 | 43,241,000 | 43,945,000 |
| Total capital | 44,528,000 | 45,184,000 | 45,648,000 | 46,325,000 |
| Risk-weighted assets | 198,602,000 | 197,732,000 | 192,303,000 | 190,172,000 |