Call reports 2021
EXCHANGE BANK OF ALABAMA, THE — 2021
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 348,298,000 | 361,944,000 | 372,072,000 | 365,371,000 |
| Total loans | 187,381,000 | 181,296,000 | 176,408,000 | 177,790,000 |
| Allowance for loan losses | 2,641,000 | 2,650,000 | 2,644,000 | 2,657,000 |
| Securities available for sale | 74,273,000 | 82,671,000 | 95,542,000 | 109,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 298,716,000 | 311,053,000 | 320,295,000 | 314,183,000 |
| Interest-bearing deposits | 180,927,000 | 189,760,000 | 191,405,000 | 190,908,000 |
| Noninterest-bearing deposits | 117,789,000 | 121,293,000 | 128,890,000 | 123,275,000 |
| Equity capital | 45,007,000 | 45,636,000 | 46,040,000 | 46,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,542,000 | 5,069,000 | 7,580,000 | 10,477,000 |
| Interest expense | 318,000 | 640,000 | 961,000 | 1,267,000 |
| Net interest income | 2,224,000 | 4,429,000 | 6,619,000 | 9,210,000 |
| Noninterest income | 463,000 | 953,000 | 1,568,000 | 2,102,000 |
| Noninterest expense | 2,088,000 | 4,090,000 | 6,104,000 | 8,107,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 599,000 | 1,292,000 | 2,181,000 | 3,309,000 |
| Income tax | 138,000 | 294,000 | 480,000 | 709,000 |
| Net income | 461,000 | 998,000 | 1,701,000 | 2,600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,182,000 | 44,719,000 | 45,294,000 | 46,193,000 |
| Total capital | 46,563,000 | 47,077,000 | 47,663,000 | 48,655,000 |
| Risk-weighted assets | 190,202,000 | 188,373,000 | 189,221,000 | 196,761,000 |
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