Call reports 2018
EXCHANGE BANK AND TRUST COMPANY — 2018
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 279,458,000 | 273,901,000 | 272,772,000 | 282,069,000 |
| Total loans | 177,726,000 | 179,612,000 | 180,494,000 | 185,595,000 |
| Allowance for loan losses | 2,288,000 | 2,265,000 | 2,301,000 | 2,299,000 |
| Securities available for sale | 78,496,000 | 75,241,000 | 73,623,000 | 74,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,216,000 | 241,523,000 | 238,313,000 | 249,515,000 |
| Interest-bearing deposits | 191,942,000 | 192,291,000 | 187,691,000 | 201,023,000 |
| Noninterest-bearing deposits | 57,274,000 | 49,232,000 | 50,622,000 | 48,492,000 |
| Equity capital | 29,360,000 | 29,897,000 | 29,695,000 | 30,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,073,000 | 6,256,000 | 9,512,000 | 12,851,000 |
| Interest expense | 334,000 | 677,000 | 1,137,000 | 1,631,000 |
| Net interest income | 2,739,000 | 5,579,000 | 8,375,000 | 11,220,000 |
| Noninterest income | 446,000 | 1,146,000 | 1,922,000 | 2,584,000 |
| Noninterest expense | 2,106,000 | 4,344,000 | 6,566,000 | 8,863,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 974,000 | 2,203,000 | 3,442,000 | 4,547,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 974,000 | 2,203,000 | 3,442,000 | 4,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,776,000 | 31,354,000 | 31,898,000 | 32,257,000 |
| Total capital | 33,064,000 | 33,619,000 | 34,199,000 | 34,556,000 |
| Risk-weighted assets | 194,907,000 | 197,483,000 | 197,051,000 | 202,644,000 |