Call reports 2020
EXCHANGE BANK — 2020
What EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,006,127,000 | 1,099,631,000 | 1,129,082,000 | 1,141,747,000 |
| Total loans | 700,514,000 | 765,372,000 | 779,064,000 | 775,946,000 |
| Allowance for loan losses | 10,815,000 | 11,433,000 | 12,055,000 | 12,634,000 |
| Securities available for sale | 247,942,000 | 278,400,000 | 285,018,000 | 302,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 733,531,000 | 779,845,000 | 799,943,000 | 817,713,000 |
| Interest-bearing deposits | 668,638,000 | 701,545,000 | 718,168,000 | 735,960,000 |
| Noninterest-bearing deposits | 64,893,000 | 78,300,000 | 81,775,000 | 81,753,000 |
| Equity capital | 90,359,000 | 102,607,000 | 110,818,000 | 119,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,615,000 | 21,797,000 | 32,407,000 | 43,151,000 |
| Interest expense | 3,562,000 | 6,743,000 | 9,842,000 | 12,731,000 |
| Net interest income | 7,053,000 | 15,054,000 | 22,565,000 | 30,420,000 |
| Noninterest income | 952,000 | 2,481,000 | 3,965,000 | 5,775,000 |
| Noninterest expense | 3,949,000 | 8,065,000 | 12,212,000 | 16,696,000 |
| Provision for loan losses | 200,000 | 800,000 | 1,400,000 | 2,000,000 |
| Pretax income | 4,355,000 | 9,201,000 | 13,754,000 | 18,432,000 |
| Income tax | 94,000 | 189,000 | 285,000 | 418,000 |
| Net income | 4,261,000 | 9,012,000 | 13,469,000 | 18,014,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,652,000 | 97,403,000 | 101,859,000 | 106,405,000 |
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