Call reports 2020
EXCHANGE BANK AND TRUST COMPANY — 2020
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 298,962,000 | 319,489,000 | 326,611,000 | 345,139,000 |
| Total loans | 190,992,000 | 200,092,000 | 198,802,000 | 202,500,000 |
| Allowance for loan losses | 2,493,000 | 2,836,000 | 2,742,000 | 2,822,000 |
| Securities available for sale | 83,119,000 | 93,431,000 | 104,193,000 | 111,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,317,000 | 281,872,000 | 286,352,000 | 305,510,000 |
| Interest-bearing deposits | 216,591,000 | 222,030,000 | 226,566,000 | 240,207,000 |
| Noninterest-bearing deposits | 46,726,000 | 59,842,000 | 59,786,000 | 65,303,000 |
| Equity capital | 31,641,000 | 35,991,000 | 37,173,000 | 38,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,519,000 | 6,970,000 | 10,505,000 | 14,041,000 |
| Interest expense | 666,000 | 1,236,000 | 1,719,000 | 2,157,000 |
| Net interest income | 2,853,000 | 5,734,000 | 8,786,000 | 11,884,000 |
| Noninterest income | 808,000 | 1,796,000 | 2,969,000 | 4,238,000 |
| Noninterest expense | 2,428,000 | 5,002,000 | 7,585,000 | 10,217,000 |
| Provision for loan losses | 353,000 | 705,000 | 1,058,000 | 1,268,000 |
| Pretax income | 1,210,000 | 2,270,000 | 3,655,000 | 5,251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,210,000 | 2,270,000 | 3,655,000 | 5,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,065,000 | 32,523,000 | 33,354,000 | 34,210,000 |
| Total capital | 34,558,000 | 35,359,000 | 36,096,000 | 37,034,000 |
| Risk-weighted assets | 207,106,000 | 205,430,000 | 208,358,000 | 221,200,000 |