Call reports 2021
EXCHANGE BANK AND TRUST COMPANY — 2021
What EXCHANGE BANK AND TRUST COMPANY 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 | 355,741,000 | 359,090,000 | 368,236,000 | 375,334,000 |
| Total loans | 203,328,000 | 208,592,000 | 211,093,000 | 221,184,000 |
| Allowance for loan losses | 3,065,000 | 3,222,000 | 3,344,000 | 3,340,000 |
| Securities available for sale | 119,686,000 | 120,948,000 | 126,515,000 | 123,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,327,000 | 319,048,000 | 327,598,000 | 335,398,000 |
| Interest-bearing deposits | 252,669,000 | 249,023,000 | 257,601,000 | 263,910,000 |
| Noninterest-bearing deposits | 64,658,000 | 70,025,000 | 69,997,000 | 71,488,000 |
| Equity capital | 36,886,000 | 38,599,000 | 39,344,000 | 38,958,000 |
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 | 3,442,000 | 7,147,000 | 10,779,000 | 14,305,000 |
| Interest expense | 392,000 | 748,000 | 1,074,000 | 1,386,000 |
| Net interest income | 3,050,000 | 6,399,000 | 9,705,000 | 12,919,000 |
| Noninterest income | 906,000 | 1,927,000 | 2,891,000 | 3,881,000 |
| Noninterest expense | 2,548,000 | 5,220,000 | 7,795,000 | 10,475,000 |
| Provision for loan losses | 210,000 | 360,000 | 465,000 | 570,000 |
| Pretax income | 1,223,000 | 2,683,000 | 4,233,000 | 5,612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,223,000 | 2,683,000 | 4,233,000 | 5,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,431,000 | 35,103,000 | 35,864,000 | 36,358,000 |
| Total capital | 37,496,000 | 38,325,000 | 39,208,000 | 39,698,000 |
| Risk-weighted assets | 221,339,000 | 231,026,000 | 237,538,000 | 249,566,000 |
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