Call reports 2024
EXCHANGE BANK AND TRUST COMPANY — 2024
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 394,163,000 | 395,785,000 | 401,501,000 | 400,557,000 |
| Total loans | 282,158,000 | 287,551,000 | 291,699,000 | 289,820,000 |
| Allowance for loan losses | 3,573,000 | 3,803,000 | 3,824,000 | 3,794,000 |
| Securities available for sale | 85,400,000 | 84,056,000 | 84,701,000 | 81,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 358,725,000 | 356,019,000 | 361,357,000 | 364,410,000 |
| Interest-bearing deposits | 291,670,000 | 285,425,000 | 291,906,000 | 297,535,000 |
| Noninterest-bearing deposits | 67,055,000 | 70,594,000 | 69,451,000 | 66,875,000 |
| Equity capital | 28,596,000 | 28,631,000 | 30,859,000 | 29,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,344,000 | 10,964,000 | 16,656,000 | 22,574,000 |
| Interest expense | 2,279,000 | 4,727,000 | 7,273,000 | 9,781,000 |
| Net interest income | 3,065,000 | 6,237,000 | 9,383,000 | 12,793,000 |
| Noninterest income | 604,000 | 1,334,000 | 2,059,000 | 2,751,000 |
| Noninterest expense | 2,717,000 | 5,463,000 | 8,324,000 | 11,143,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 829,000 | 1,879,000 | 2,784,000 | 3,962,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 829,000 | 1,879,000 | 2,784,000 | 3,962,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,038,000 | 40,507,000 | 40,781,000 | 41,328,000 |
| Total capital | 43,611,000 | 44,310,000 | 44,605,000 | 45,122,000 |
| Risk-weighted assets | 294,335,000 | 296,843,000 | 300,192,000 | 298,521,000 |
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