Call reports 2025
FIRST EXCHANGE BANK — 2025
What FIRST EXCHANGE BANK 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 | 383,513,000 | 376,822,000 | 376,612,000 | 376,464,000 |
| Total loans | 298,308,000 | 296,780,000 | 291,360,000 | 292,129,000 |
| Allowance for loan losses | 4,090,000 | 4,623,000 | 4,732,000 | 3,777,000 |
| Securities available for sale | 27,462,000 | 26,350,000 | 26,326,000 | 25,723,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,523,000 | 343,016,000 | 340,873,000 | 341,100,000 |
| Interest-bearing deposits | 288,304,000 | 281,932,000 | 280,824,000 | 281,670,000 |
| Noninterest-bearing deposits | 60,219,000 | 61,084,000 | 60,049,000 | 59,430,000 |
| Equity capital | 29,273,000 | 28,676,000 | 29,938,000 | 30,212,000 |
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 | 4,821,000 | 9,723,000 | 14,655,000 | 19,621,000 |
| Interest expense | 1,983,000 | 3,844,000 | 5,654,000 | 7,364,000 |
| Net interest income | 2,838,000 | 5,879,000 | 9,001,000 | 12,257,000 |
| Noninterest income | 490,000 | 998,000 | 1,483,000 | 2,026,000 |
| Noninterest expense | 2,563,000 | 5,333,000 | 8,128,000 | 11,099,000 |
| Provision for loan losses | 160,000 | 753,000 | 950,000 | 1,352,000 |
| Pretax income | 588,000 | 713,000 | 1,311,000 | 1,762,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 588,000 | 713,000 | 1,311,000 | 1,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,142,000 | 33,697,000 | 34,120,000 | 34,221,000 |
| Total capital | 37,394,000 | 36,978,000 | 37,342,000 | 37,569,000 |
| Risk-weighted assets | 259,185,000 | 260,967,000 | 256,057,000 | 267,205,000 |