Call reports 2019
FIRST EXCHANGE BANK — 2019
What FIRST EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 277,706,000 | 283,497,000 | 289,282,000 | 301,043,000 |
| Total loans | 242,546,000 | 247,000,000 | 252,509,000 | 253,862,000 |
| Allowance for loan losses | 3,218,000 | 3,350,000 | 3,512,000 | 3,470,000 |
| Securities available for sale | 19,957,000 | 19,366,000 | 18,115,000 | 17,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,814,000 | 221,614,000 | 220,502,000 | 241,794,000 |
| Interest-bearing deposits | 180,368,000 | 180,929,000 | 178,210,000 | 193,999,000 |
| Noninterest-bearing deposits | 41,447,000 | 40,685,000 | 42,291,000 | 47,795,000 |
| Equity capital | 22,874,000 | 23,324,000 | 23,837,000 | 28,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,241,000 | 6,539,000 | 10,140,000 | 13,822,000 |
| Interest expense | 628,000 | 1,301,000 | 2,008,000 | 2,724,000 |
| Net interest income | 2,613,000 | 5,238,000 | 8,132,000 | 11,098,000 |
| Noninterest income | 339,000 | 717,000 | 1,137,000 | 1,570,000 |
| Noninterest expense | 1,862,000 | 3,812,000 | 5,770,000 | 7,913,000 |
| Provision for loan losses | 201,000 | 398,000 | 598,000 | 813,000 |
| Pretax income | 889,000 | 1,745,000 | 2,901,000 | 3,942,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 889,000 | 1,745,000 | 2,901,000 | 3,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,041,000 | 23,241,000 | 23,716,000 | 28,061,000 |
| Total capital | 25,665,000 | 25,913,000 | 26,460,000 | 30,806,000 |
| Risk-weighted assets | 209,330,000 | 213,064,000 | 218,737,000 | 218,896,000 |