Call reports 2023
EXCHANGE BANK OF ALABAMA, THE — 2023
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 359,120,000 | 366,750,000 | 354,594,000 | 371,110,000 |
| Total loans | 175,470,000 | 182,493,000 | 187,995,000 | 195,948,000 |
| Allowance for loan losses | 2,632,000 | 2,631,000 | 2,666,000 | 2,713,000 |
| Securities available for sale | 128,138,000 | 123,520,000 | 117,387,000 | 120,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,629,000 | 326,942,000 | 316,951,000 | 327,465,000 |
| Interest-bearing deposits | 185,999,000 | 183,009,000 | 178,960,000 | 184,414,000 |
| Noninterest-bearing deposits | 132,630,000 | 143,933,000 | 137,991,000 | 143,051,000 |
| Equity capital | 37,640,000 | 37,130,000 | 34,833,000 | 40,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,691,000 | 7,575,000 | 11,482,000 | 15,567,000 |
| Interest expense | 481,000 | 1,105,000 | 1,808,000 | 2,658,000 |
| Net interest income | 3,210,000 | 6,470,000 | 9,674,000 | 12,909,000 |
| Noninterest income | 337,000 | 637,000 | 1,032,000 | 2,209,000 |
| Noninterest expense | 2,238,000 | 4,458,000 | 6,684,000 | 9,198,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 100,000 |
| Pretax income | 1,300,000 | 2,640,000 | 3,963,000 | 5,811,000 |
| Income tax | 324,000 | 626,000 | 939,000 | 1,302,000 |
| Net income | 976,000 | 2,014,000 | 3,024,000 | 4,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,540,000 | 50,577,000 | 51,387,000 | 52,772,000 |
| Total capital | 52,087,000 | 53,202,000 | 54,053,000 | 55,485,000 |
| Risk-weighted assets | 203,693,000 | 210,020,000 | 216,255,000 | 224,103,000 |
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