Call reports 2019
EXCHANGE BANK AND TRUST COMPANY — 2019
What EXCHANGE BANK AND TRUST COMPANY 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 | 290,264,000 | 302,425,000 | 294,009,000 | 301,628,000 |
| Total loans | 186,620,000 | 192,671,000 | 189,395,000 | 190,589,000 |
| Allowance for loan losses | 2,321,000 | 2,425,000 | 5,271,000 | 2,134,000 |
| Securities available for sale | 80,313,000 | 85,640,000 | 82,749,000 | 82,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,723,000 | 266,628,000 | 259,960,000 | 267,038,000 |
| Interest-bearing deposits | 209,019,000 | 216,622,000 | 212,058,000 | 219,212,000 |
| Noninterest-bearing deposits | 47,704,000 | 50,006,000 | 47,902,000 | 47,826,000 |
| Equity capital | 32,194,000 | 34,433,000 | 32,894,000 | 33,608,000 |
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 | 3,450,000 | 7,024,000 | 10,615,000 | 14,124,000 |
| Interest expense | 600,000 | 1,260,000 | 1,976,000 | 2,657,000 |
| Net interest income | 2,850,000 | 5,764,000 | 8,639,000 | 11,467,000 |
| Noninterest income | 654,000 | 1,403,000 | 2,189,000 | 2,900,000 |
| Noninterest expense | 2,332,000 | 4,719,000 | 7,142,000 | 9,554,000 |
| Provision for loan losses | 105,000 | 210,000 | 3,074,000 | 3,178,000 |
| Pretax income | 1,052,000 | 2,221,000 | 745,000 | 1,768,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,052,000 | 2,221,000 | 745,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,364,000 | 32,929,000 | 30,798,000 | 31,409,000 |
| Total capital | 34,685,000 | 35,354,000 | 36,069,000 | 33,543,000 |
| Risk-weighted assets | 202,531,000 | 208,588,000 | 201,615,000 | 206,288,000 |