Call reports 2019
EXCHANGE BANK — 2019
What EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 934,775,000 | 934,917,000 | 933,965,000 | 955,633,000 |
| Total loans | 664,079,000 | 671,904,000 | 673,303,000 | 689,078,000 |
| Allowance for loan losses | 10,025,000 | 10,378,000 | 10,591,000 | 10,588,000 |
| Securities available for sale | 208,364,000 | 213,606,000 | 204,777,000 | 207,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 669,766,000 | 672,464,000 | 690,427,000 | 722,731,000 |
| Interest-bearing deposits | 615,835,000 | 618,427,000 | 635,527,000 | 663,993,000 |
| Noninterest-bearing deposits | 53,931,000 | 54,037,000 | 54,900,000 | 58,738,000 |
| Equity capital | 98,194,000 | 98,484,000 | 99,758,000 | 100,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,293,000 | 21,054,000 | 31,831,000 | 42,355,000 |
| Interest expense | 3,432,000 | 7,108,000 | 10,804,000 | 14,372,000 |
| Net interest income | 6,861,000 | 13,946,000 | 21,027,000 | 27,983,000 |
| Noninterest income | 666,000 | 1,445,000 | 2,371,000 | 3,503,000 |
| Noninterest expense | 3,309,000 | 6,960,000 | 10,563,000 | 14,260,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 4,725,000 | 8,692,000 | 13,074,000 | 17,339,000 |
| Income tax | 84,000 | 132,000 | 225,000 | 343,000 |
| Net income | 4,641,000 | 8,560,000 | 12,849,000 | 16,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,036,000 | 91,955,000 | 92,244,000 | 93,391,000 |
| Total capital | 102,176,000 | 101,221,000 | 101,544,000 | 102,927,000 |
| Risk-weighted assets | 730,324,000 | 740,181,000 | 742,700,000 | 761,867,000 |