Call reports 2025
EXCHANGE BANK OF ALABAMA, THE — 2025
What EXCHANGE BANK OF ALABAMA, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 376,573,000 | 385,801,000 | 387,699,000 | 392,141,000 |
| Total loans | 195,099,000 | 195,793,000 | 200,279,000 | 202,116,000 |
| Allowance for loan losses | 2,530,000 | 2,533,000 | 2,539,000 | 2,570,000 |
| Securities available for sale | 116,369,000 | 120,378,000 | 125,968,000 | 125,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,365,000 | 335,472,000 | 335,002,000 | 336,583,000 |
| Interest-bearing deposits | 196,792,000 | 200,115,000 | 201,547,000 | 192,814,000 |
| Noninterest-bearing deposits | 130,573,000 | 135,357,000 | 133,455,000 | 143,769,000 |
| Equity capital | 45,281,000 | 47,029,000 | 49,464,000 | 51,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,448,000 | 9,040,000 | 13,772,000 | 18,518,000 |
| Interest expense | 1,313,000 | 2,527,000 | 3,708,000 | 4,790,000 |
| Net interest income | 3,135,000 | 6,513,000 | 10,064,000 | 13,728,000 |
| Noninterest income | 319,000 | 811,000 | 1,257,000 | 1,662,000 |
| Noninterest expense | 2,373,000 | 4,737,000 | 7,138,000 | 9,477,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 125,000 |
| Pretax income | 1,081,000 | 2,537,000 | 4,108,000 | 5,788,000 |
| Income tax | 253,000 | 616,000 | 932,000 | 1,298,000 |
| Net income | 828,000 | 1,921,000 | 3,176,000 | 4,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,630,000 | 57,723,000 | 58,718,000 | 60,031,000 |
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