Call reports 2025
EXCHANGE BANK AND TRUST COMPANY — 2025
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 405,799,000 | 411,583,000 | 414,874,000 | 418,381,000 |
| Total loans | 292,451,000 | 297,902,000 | 305,481,000 | 316,066,000 |
| Allowance for loan losses | 3,747,000 | 3,852,000 | 3,993,000 | 4,044,000 |
| Securities available for sale | 81,196,000 | 79,628,000 | 81,364,000 | 71,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,395,000 | 373,166,000 | 372,870,000 | 375,388,000 |
| Interest-bearing deposits | 296,322,000 | 299,734,000 | 293,719,000 | 299,081,000 |
| Noninterest-bearing deposits | 72,073,000 | 73,432,000 | 79,151,000 | 76,307,000 |
| Equity capital | 29,997,000 | 30,288,000 | 33,737,000 | 35,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,804,000 | 11,858,000 | 18,172,000 | 24,583,000 |
| Interest expense | 2,349,000 | 4,694,000 | 7,039,000 | 9,330,000 |
| Net interest income | 3,455,000 | 7,164,000 | 11,133,000 | 15,253,000 |
| Noninterest income | 635,000 | 1,515,000 | 2,393,000 | 3,116,000 |
| Noninterest expense | 2,849,000 | 5,795,000 | 8,811,000 | 11,830,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,091,000 | 2,584,000 | 4,239,000 | 5,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,091,000 | 2,584,000 | 4,239,000 | 5,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,746,000 | 42,614,000 | 43,496,000 | 44,130,000 |
| Total capital | 45,493,000 | 46,466,000 | 47,489,000 | 48,174,000 |
| Risk-weighted assets | 297,352,000 | 302,847,000 | 305,920,000 | 309,098,000 |