Call reports 2022
EXCHANGE BANK OF ALABAMA, THE — 2022
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 380,643,000 | 378,332,000 | 383,073,000 | 373,802,000 |
| Total loans | 181,523,000 | 179,916,000 | 181,954,000 | 178,446,000 |
| Allowance for loan losses | 2,654,000 | 2,653,000 | 2,640,000 | 2,644,000 |
| Securities available for sale | 106,361,000 | 109,060,000 | 114,118,000 | 121,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 334,937,000 | 337,115,000 | 344,710,000 | 333,806,000 |
| Interest-bearing deposits | 201,681,000 | 203,874,000 | 207,835,000 | 200,923,000 |
| Noninterest-bearing deposits | 133,256,000 | 133,241,000 | 136,875,000 | 132,883,000 |
| Equity capital | 40,618,000 | 36,148,000 | 33,213,000 | 34,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,353,000 | 8,640,000 | 12,258,000 |
| Interest expense | 274,000 | 566,000 | 927,000 | 1,365,000 |
| Net interest income | 2,306,000 | 4,787,000 | 7,713,000 | 10,893,000 |
| Noninterest income | 363,000 | 799,000 | 1,295,000 | 1,634,000 |
| Noninterest expense | 2,181,000 | 4,276,000 | 6,328,000 | 8,441,000 |
| Provision for loan losses | -100,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 588,000 | 1,410,000 | 2,780,000 | 4,186,000 |
| Income tax | 131,000 | 331,000 | 661,000 | 956,000 |
| Net income | 457,000 | 1,079,000 | 2,119,000 | 3,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,490,000 | 47,112,000 | 48,092,000 | 49,203,000 |
| Total capital | 49,020,000 | 49,665,000 | 50,682,000 | 51,787,000 |
| Risk-weighted assets | 202,353,000 | 204,110,000 | 207,142,000 | 206,696,000 |
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