Call reports 2017
EXCHANGE BANK — 2017
What EXCHANGE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 817,841,000 | 856,304,000 | 852,877,000 | 876,013,000 |
| Total loans | 563,949,000 | 582,498,000 | 594,565,000 | 607,178,000 |
| Allowance for loan losses | 8,309,000 | 8,624,000 | 8,841,000 | 8,894,000 |
| Securities available for sale | 209,271,000 | 223,018,000 | 210,488,000 | 214,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 617,693,000 | 606,093,000 | 595,836,000 | 597,169,000 |
| Interest-bearing deposits | 547,602,000 | 551,151,000 | 539,268,000 | 538,081,000 |
| Noninterest-bearing deposits | 70,091,000 | 54,942,000 | 56,569,000 | 59,088,000 |
| Equity capital | 79,039,000 | 84,747,000 | 87,138,000 | 88,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,900,000 | 16,066,000 | 24,668,000 | 33,458,000 |
| Interest expense | 1,877,000 | 3,910,000 | 6,069,000 | 8,275,000 |
| Net interest income | 6,023,000 | 12,156,000 | 18,599,000 | 25,183,000 |
| Noninterest income | 535,000 | 1,354,000 | 2,067,000 | 3,010,000 |
| Noninterest expense | 3,270,000 | 6,338,000 | 9,505,000 | 12,649,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 3,359,000 | 7,077,000 | 11,257,000 | 15,339,000 |
| Income tax | 59,000 | 141,000 | 234,000 | 310,000 |
| Net income | 3,300,000 | 6,936,000 | 11,023,000 | 15,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,013,000 | 77,648,000 | 80,736,000 | 83,242,000 |
| Total capital | 81,786,000 | 85,673,000 | 88,678,000 | 91,358,000 |
| Risk-weighted assets | 621,320,000 | 641,382,000 | 634,461,000 | 648,515,000 |