Call reports 2021
FIRST EXCHANGE BANK — 2021
What FIRST EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 328,519,000 | 330,331,000 | 328,821,000 | 330,471,000 |
| Total loans | 252,839,000 | 253,748,000 | 251,608,000 | 257,649,000 |
| Allowance for loan losses | 3,994,000 | 4,319,000 | 4,714,000 | 5,063,000 |
| Securities available for sale | 28,440,000 | 34,962,000 | 35,487,000 | 35,383,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,906,000 | 283,921,000 | 284,336,000 | 287,768,000 |
| Interest-bearing deposits | 220,626,000 | 220,493,000 | 219,147,000 | 219,540,000 |
| Noninterest-bearing deposits | 60,280,000 | 63,428,000 | 65,190,000 | 68,229,000 |
| Equity capital | 29,225,000 | 30,181,000 | 30,414,000 | 30,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,285,000 | 6,518,000 | 9,848,000 | 12,967,000 |
| Interest expense | 575,000 | 1,107,000 | 1,583,000 | 1,997,000 |
| Net interest income | 2,710,000 | 5,411,000 | 8,265,000 | 10,970,000 |
| Noninterest income | 361,000 | 782,000 | 1,213,000 | 1,652,000 |
| Noninterest expense | 2,062,000 | 4,201,000 | 6,347,000 | 7,869,000 |
| Provision for loan losses | 382,000 | 760,000 | 1,142,000 | 1,548,000 |
| Pretax income | 627,000 | 1,232,000 | 1,989,000 | 3,205,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 627,000 | 1,232,000 | 1,989,000 | 3,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,666,000 | 29,821,000 | 30,028,000 | 30,695,000 |