Call reports 2018
EXCHANGE BANK — 2018
What EXCHANGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 869,894,000 | 902,704,000 | 922,772,000 | 938,232,000 |
| Total loans | 600,962,000 | 636,155,000 | 655,129,000 | 659,703,000 |
| Allowance for loan losses | 9,154,000 | 9,348,000 | 9,698,000 | 9,828,000 |
| Securities available for sale | 219,232,000 | 216,077,000 | 209,367,000 | 212,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,240,000 | 625,070,000 | 641,802,000 | 643,869,000 |
| Interest-bearing deposits | 550,535,000 | 567,218,000 | 579,905,000 | 586,205,000 |
| Noninterest-bearing deposits | 58,705,000 | 57,852,000 | 61,897,000 | 57,664,000 |
| Equity capital | 84,965,000 | 88,996,000 | 89,131,000 | 92,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,780,000 | 18,085,000 | 27,824,000 | 38,541,000 |
| Interest expense | 2,252,000 | 4,818,000 | 7,788,000 | 11,041,000 |
| Net interest income | 6,528,000 | 13,267,000 | 20,036,000 | 27,500,000 |
| Noninterest income | 635,000 | 1,584,000 | 2,369,000 | 3,213,000 |
| Noninterest expense | 3,397,000 | 6,831,000 | 10,174,000 | 13,679,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 3,548,000 | 7,759,000 | 11,877,000 | 16,532,000 |
| Income tax | 91,000 | 188,000 | 278,000 | 380,000 |
| Net income | 3,457,000 | 7,571,000 | 11,599,000 | 16,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,699,000 | 84,813,000 | 85,842,000 | 88,395,000 |
| Total capital | 88,743,000 | 93,529,000 | 94,802,000 | 97,525,000 |
| Risk-weighted assets | 642,379,000 | 696,670,000 | 716,040,000 | 729,731,000 |