Call reports 2022
EXCHANGE BANK AND TRUST COMPANY — 2022
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 384,966,000 | 388,333,000 | 371,611,000 | 379,476,000 |
| Total loans | 237,370,000 | 244,998,000 | 249,203,000 | 255,613,000 |
| Allowance for loan losses | 3,228,000 | 3,297,000 | 3,436,000 | 3,346,000 |
| Securities available for sale | 117,429,000 | 112,471,000 | 98,022,000 | 92,438,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,483,000 | 363,137,000 | 347,589,000 | 352,277,000 |
| Interest-bearing deposits | 268,665,000 | 270,050,000 | 263,180,000 | 275,253,000 |
| Noninterest-bearing deposits | 82,818,000 | 93,087,000 | 84,409,000 | 77,024,000 |
| Equity capital | 32,478,000 | 24,015,000 | 22,678,000 | 26,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,572,000 | 7,472,000 | 11,482,000 | 15,735,000 |
| Interest expense | 284,000 | 595,000 | 1,022,000 | 1,781,000 |
| Net interest income | 3,288,000 | 6,877,000 | 10,460,000 | 13,954,000 |
| Noninterest income | 751,000 | 1,704,000 | 2,577,000 | 3,304,000 |
| Noninterest expense | 2,664,000 | 5,289,000 | 7,940,000 | 10,619,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,270,000 | 3,082,000 | 4,641,000 | 5,922,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,270,000 | 3,082,000 | 4,641,000 | 5,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,840,000 | 37,862,000 | 38,497,000 | 38,903,000 |
| Total capital | 40,068,000 | 41,159,000 | 41,933,000 | 42,249,000 |
| Risk-weighted assets | 264,402,000 | 273,379,000 | 275,167,000 | 276,898,000 |