Call reports 2024
EXCHANGE BANK OF ALABAMA, THE — 2024
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 369,009,000 | 373,856,000 | 373,805,000 | 382,173,000 |
| Total loans | 196,992,000 | 200,193,000 | 205,015,000 | 207,379,000 |
| Allowance for loan losses | 2,681,000 | 2,704,000 | 2,703,000 | 2,553,000 |
| Securities available for sale | 116,114,000 | 116,856,000 | 117,420,000 | 114,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,626,000 | 328,413,000 | 324,623,000 | 335,004,000 |
| Interest-bearing deposits | 191,935,000 | 194,672,000 | 193,722,000 | 270,611,000 |
| Noninterest-bearing deposits | 132,691,000 | 133,741,000 | 130,901,000 | 64,393,000 |
| Equity capital | 40,692,000 | 41,829,000 | 45,560,000 | 43,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,257,000 | 8,549,000 | 13,080,000 | 17,676,000 |
| Interest expense | 1,095,000 | 2,337,000 | 3,739,000 | 5,155,000 |
| Net interest income | 3,162,000 | 6,212,000 | 9,341,000 | 12,521,000 |
| Noninterest income | 365,000 | 741,000 | 1,217,000 | 1,644,000 |
| Noninterest expense | 2,321,000 | 4,616,000 | 6,936,000 | 9,158,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 150,000 |
| Pretax income | 1,156,000 | 2,237,000 | 3,522,000 | 4,857,000 |
| Income tax | 277,000 | 543,000 | 844,000 | 1,088,000 |
| Net income | 879,000 | 1,694,000 | 2,678,000 | 3,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,471,000 | 54,286,000 | 55,029,000 | 56,122,000 |
| Total capital | 56,152,000 | 56,990,000 | 57,732,000 | 58,675,000 |
| Risk-weighted assets | 225,616,000 | 225,973,000 | 226,722,000 | 227,577,000 |
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